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
Fire Damage Claims: Loss Assessors on Your Side
A fire leaves more behind than the damage you can see. Smoke and soot travel through the whole building, water from the fire brigade soaks into floors and walls, and some problems only appear weeks later. Insurance Claim Solutions records the damage, prepares your fire damage claim under the terms of your policy and deals with your insurer and its loss adjuster for you.
Call 01 870 9210The Insurance Claim Process for Fire Damage
How to Make a Fire Insurance Claim
When making an insurance claim for fire damage, notify your insurer as soon as possible after the fire. Before any clean-up starts, photograph and video the damage in every room, gather your policy documents and start a detailed list of everything that was lost or damaged.
Fire damage claims are not easy to assess. You need to consider not only visible damage but also secondary damage caused by smoke and actions taken by a fire brigade or people trying to extinguish the fire.
Secondary damage is often not immediately apparent. Water ingress can over time cause structural damage, result in mould growth, rusting of metals where high humidity levels mix with acidic soot particles, permanent staining of PVC and plastics, etc.
Some secondary damage only appears after a claim has been settled and closed, so it is worth having the property checked while the claim is still open.
So, if your property or business has been damaged by fire make sure everyone is safe and do not go back in until the fire service says it is safe to do so. Notify your insurer promptly, and call us at the same time for advice. As Chartered Building Surveyors, we know where to look for potential problems. We record secondary damage with the evidence behind it and present it to your insurer as part of your fire claim.
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What is Typically Covered by Fire Insurance?
Fire damage insurance claims
Typically, fire insurance covers damage to your property caused by fire, smoke damage, and soot damage, as well as related expenses like temporary accommodation if your home is uninhabitable. Most home insurance policies also cover the cost of replacing or repairing damaged structures and personal belongings. Cover varies between policies, so we check your policy wording against the fire damage before the claim is presented.
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Loss adjuster or loss assessor?
Who Does What in a Property Claim
When you make a fire 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.
How We Help With a Fire Claim
What is a Loss Assessor?
A loss assessor is an independent professional appointed by the policyholder, not by the insurance company. Insurance Claim Solutions is a public loss assessor regulated by the Central Bank of Ireland, and we handle fire claims for homes and businesses. We inspect the whole property, read your policy wording and take the claim to your insurer and its loss adjuster on your behalf. From the first visit to settlement, we act for you.
In a fire claim, much of the work is in the detail: soot in wall cavities and ventilation, smoke odour in soft furnishings, heat damage to wiring and pipework, and water left behind by firefighting. We record each item, cost the repairs and put the evidence together so the insurer can see the whole picture. We handle the calls, letters and paperwork, and we keep you informed at every stage.
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What Should I Do Immediately After a Fire?
After a fire, the first priority is safety, and then protecting the property from further damage. Where you appoint us, we can help with:
- Advising on making the property secure and weatherproof, and on contacting suitable contractors
- Recording the damage before clean-up begins
- Advising on what to keep and what to photograph for the insurer
- Checking whether your policy covers temporary accommodation
Once you appoint us, we start recording the damage and keeping the evidence together from the outset.
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What happens next
From Fire 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