Acts for the insurer
The Insurer’s Loss Adjuster
- Appointed by the insurance company
- Assesses the claim for the insurer
- Reports back to the insurer
Insurance Claim Help Ireland
Burglary & Malicious Damage Claims: Expert Loss Assessor Help
A break-in or deliberate damage to your property is upsetting, and the claim that follows needs care: proof of what was taken, a Garda report and a clear record of the damage. Insurance Claim Solutions (ICS) handles burglary and malicious damage claims for homeowners, from listing the stolen and damaged items to dealing with your insurer.
Call 01 870 9210Malicious Damage Insurance
What is Malicious Damage?
Malicious damage involves the intentional and unlawful harm inflicted on property, distinguishing it from accidental damage. It's often covered by insurance policies. There are various forms this can take, such as:
- Vandalism
- Graffiti
- Deliberate destruction of property
Knowing what malicious damage encompasses is important when submitting a damage insurance claim.
Types of Malicious Damage Insurance
Malicious damage insurance is often part of more comprehensive policies. It's important to understand what your policy covers, and coverage specifics can vary. You might find it included in policies such as:
- Home insurance
- Commercial property insurance
Some policies might also cover theft and malicious damage resulting from burglary, while others might provide standalone malicious damage insurance. Limits on jewellery and valuables are common, and cover can be restricted when the home has been left unoccupied. A loss assessor can check your policy against what was taken and damaged, from a forced door or window to stolen jewellery, and explain what your insurer is responsible for.
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The Role of a Loss Assessor in Malicious Damage Claims
What Does a Loss Assessor Do?
A loss assessor acts for you, not the insurer, and takes over the claim from start to finish. After a burglary, that means listing what was stolen, gathering proof of ownership and costing the damage to doors, windows and locks. After malicious damage, it means recording every part of the damage and the repairs needed. We then present the claim and deal with the insurer on your behalf.
Benefits of Hiring a Loss Assessor
Having a loss assessor handle the claim means you do not have to face the insurer's questions, the forms and the loss adjuster's visit on your own while you are still getting over the break-in. We prepare the claim with the evidence behind it, keep track of every item and keep you informed until the claim is settled.
Trevor Kelly Insurance Claim Solutions Limited, trading as Insurance Claim Solutions, is regulated by the Central Bank of Ireland (Reg. No. C423441). Insurance Claim Solutions (ICS) provides a free consultation to assess your claim and discuss how we can help.
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Loss adjuster or loss assessor?
Who Does What in a Property Claim
When you make a burglary or malicious damage claim, your insurer sends a loss adjuster. They are appointed and paid by the insurance company, and they assess the claim on its behalf. A loss assessor does the same job from your side of the table: we are appointed by you, and we work for you.
Acts for the insurer
Acts for you
Your Loss Assessor
- Acts for you, the policyholder
- Records the damage in detail
- Deals with the insurer on your behalf
- Negotiates with the insurer on your behalf
Insurance Claim Solutions acts for you, the policyholder, from the first inspection to settlement.
Steps to Make a Malicious Damage Insurance Claim
Documenting the Damage
Good records make a burglary or malicious damage claim much easier to deal with. Thorough documentation is essential when making a malicious damage insurance claim, and that includes:
- Detailed photographs and videos of all damage caused.
- An inventory of damaged or stolen possessions, along with any available receipts or proof of ownership.
Report a burglary or malicious damage to the Gardaí and ask for the PULSE incident number, which your insurer will usually ask for. Proper documentation helps the insurer see what was lost and damaged.
Making Your Claim
Promptly contact your insurance company to report the malicious damage and initiate the claims procedure. Provide them with all documented evidence, including photos, videos and the PULSE incident number. Be prepared to answer their questions about the incident and the damage sustained. A loss assessor can manage this process on your behalf and list each item taken or damaged in your theft or malicious damage claim.
A loss assessor from Insurance Claim Solutions (ICS) acts for you, presents the loss with the evidence behind it and negotiates with your insurer on your behalf.
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Common Challenges in Malicious Damage Claims
Dealing with Denied Claims
Having a claim declined is frustrating, especially after a break-in or deliberate damage to your home. If your insurer has turned down your claim, we can review its reasons against your policy wording and the evidence, and tell you honestly whether there are grounds to challenge the decision. Where there are, we set out the case and take it up with the insurer for you. You can also complain to your insurer and, if you remain dissatisfied, to the Financial Services and Pensions Ombudsman.
Understanding Policy Exclusions
Insurance policies often contain exclusions that can impact your theft claim or malicious damage insurance claim. These exclusions may relate to specific types of damage or circumstances under which the damage occurred. A loss assessor will read your policy closely and identify any exclusions that might affect your damage insurance claim. We can advise you on how these exclusions apply to your case and what options you have.
Insurance Claim Solutions negotiates with the insurer on your behalf and backs each part of the claim with the evidence available, such as photographs, receipts and the Garda report, so the insurer can see exactly what was lost and damaged. You deal with us, and we deal with the insurer.
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What happens next
From Burglary Or Malicious Damage to Settlement, We Handle the Claim
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01
Tell Us What Happened
A short conversation about the damage and your insurance cover. It’s free, and there’s no obligation.
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02
We Assess the Damage
A qualified loss assessor inspects the property, records the damage and identifies what should form part of the claim.
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03
We Manage the Claim
Documentation, valuations, insurer communication and negotiations are handled for you. You’re kept informed at every stage.
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04
Agreeing the Settlement
We deal with your insurer on the settlement under the terms of your policy. The insurer pays you directly.
Step 01 is a free, no-obligation conversation.
Public loss assessors
Benefits of Using a Public Loss Assessor to Manage Your Claim
We deal with your insurer for you.
We keep you informed at every stage.
Talk to a loss assessor. The initial consultation is free, with no obligation.
24/7 helpline 01 870 9210