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
Impact Damage Insurance Claims: Expert Loss Assessor Help
When a car hits your wall, a tree comes down on the roof or building work next door goes wrong, the damage is sudden and often structural. As a public loss assessor regulated by the Central Bank of Ireland, Insurance Claim Solutions manages impact damage claims from start to finish: we inspect and record the damage, prepare the claim under your policy and deal with your insurer for you.
Call 01 870 9210Impact Damage to Your Property
Common Causes of Impact Damage
Impact damage to your property can arise from a variety of causes. A common scenario involves a vehicle colliding with a boundary wall or the structure of your home, resulting in an impact damage claim.
Other third-party incidents, such as falling trees or construction mishaps, can also lead to impact damage. The cause matters, because it decides which part of your policy applies and whether your insurer may look to recover its costs from someone else.
Assessing Damage to Your Home
An impact can do more harm than the visible damage suggests. A vehicle hitting a house can crack foundations, push a wall out of line or damage services buried nearby, and a falling tree can damage the roof structure as well as the slates. We inspect the whole area around the impact, record the structural and hidden damage, and use that inspection as the basis for the claim and our negotiations with the insurer.
If you would like help, you can appoint Insurance Claim Solutions to manage the impact damage claim and negotiate with your insurer on your behalf.
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Storms, Falling Trees and Debris
When a Storm Causes Impact Damage
Many impact claims follow a storm: a tree or large branch falls on the house, a boundary wall collapses, or flying debris breaks windows and roof tiles. Depending on your policy, this may be dealt with under the storm section or as impact damage.
The terms, limits and excess can differ between those sections, so we read the policy wording and set out the claim under the section that fits what happened.
Making a Claim After a Storm
Make the property safe and arrange temporary protection if it is needed, then photograph and video the damage before permanent repairs begin. Gather any relevant information, such as weather reports. Report the damage to your insurer promptly. A public loss assessor can then record the damage, including anything hidden under the roof or behind walls, and present it to your insurer.
A loss assessor acts for you, reads your policy and negotiates with the insurance company on your behalf. When you appoint Insurance Claim Solutions, we deal with the insurer and its loss adjuster until the claim is settled.
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Loss adjuster or loss assessor?
Who Does What in a Property Claim
When you make a impact 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.
The Claims Process With Loss Assessors in Ireland
The Importance of Professional Assessors
Trevor Kelly Insurance Claim Solutions Limited, trading as Insurance Claim Solutions, is regulated by the Central Bank of Ireland (Reg. No. C423441), and we handle property claims for homeowners and businesses across Ireland. Impact damage is one part of that work, alongside fire, water, flood, subsidence, burglary and business interruption claims.
How a Loss Assessor Helps With an Impact Claim
We assess the damage, including structural damage that may not be obvious at first, read your policy wording and prepare the claim with the evidence to support it. We then negotiate with your insurer and its loss adjuster on your behalf, and keep you informed until the claim is settled.
The first consultation is free and carries no obligation, so you can talk the claim through with us before deciding anything.
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Third-Party Property Damage Claims
What are Third-Party Claims?
Third-party property damage claims arise when someone else causes damage to your property. For example, if a driver loses control and crashes into your boundary wall, this would lead to a third-party impact damage claim. In many cases the simplest route is to claim on your own home insurance, and your insurer may then recover its costs from the other party's insurer.
We handle the claim with your own insurer and include the other party's details, the Garda report and any witness information with it.
When Someone Else Caused the Damage
A third-party claim needs clear evidence of who caused the damage and what it will cost to put right. We record the damage, gather the supporting evidence and deal with your insurer on your behalf, leaving you free to concentrate on getting your home back to normal.
If you have an insurance broker, they can support you too, and we will keep them informed as the claim progresses.
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What happens next
From Impact 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