Works 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
Water Damage Insurance Claims: Loss Assessors on Your Side
A leak can do far more damage than the damp patch you can see. Insurance Claim Solutions works out where the water has travelled, records the damage room by room and handles your water damage claim with your insurer, so you are not left dealing with the loss adjuster on your own.
Call Us Today!What your policy may cover
What Water Damage Insurance Usually Covers
Home insurance usually covers water damage caused by a sudden, accidental event, which insurers often call an escape of water: a burst pipe, a leaking tank or cylinder, or a washing machine or dishwasher that overflows. Damage to the building and to your belongings is normally included, and many policies also pay for somewhere else to stay if the house cannot be lived in while it dries out and is repaired. The exact cover, excess and limits depend on your policy wording, so we read yours against the damage before the claim goes in.
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Water damage insurance claims
How a Loss Assessor Helps With a Water Damage Claim
A loss assessor is appointed by you, the policyholder, to prepare and present your claim. Insurance Claim Solutions is a regulated public loss assessor, and we handle water damage claims for homes and businesses. We find where the water went, check how far the damp has spread and set out every repair the claim needs to cover. Your insurer has its loss adjuster; with a loss assessor, you have someone on your side too.
On a water claim we use photographs and a room-by-room schedule of damage to show the insurer exactly what the leak has affected, from ceilings and floors to skirting, kitchen units and contents. We deal with the insurer and its loss adjuster on your behalf, look after the paperwork and keep you informed until the claim is settled.
Loss adjuster or loss assessor?
Your Insurance Company Has Its Experts. You Should Have Yours.
When you make a water 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.
Works for the insurer
Works for you
Your Loss Assessor
- Works for you, not the insurer
- Documents the full extent of your loss
- Deals with the insurer on your behalf
- Negotiates your settlement
Insurance Claim Solutions represents you, the policyholder, throughout the entire claim.
Hidden water damage
Why Water Damage Often Goes Further Than You Can See
Water rarely stays where it lands. It runs along joists, soaks into plasterboard and insulation, and sits under floor coverings, so damage can turn up in rooms well away from the leak, sometimes weeks after it has been fixed.
Left in place, that trapped moisture can lead to mould, rot in timber floors and joists, and corrosion. We check behind and beneath the visible damage before the claim is put together, because these problems are much harder to add once a claim has been settled.
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What every homeowner needs to know before making a claim
Why Water Damage Claims Get Rejected in Ireland
These are the most common reasons a water damage claim runs into difficulty. Many policyholders only discover the gaps in their cover after the damage is done.
Gradual damage exclusions: Gradual leaks and long-term damp are often excluded. Whether you are covered depends on the cause of the damage and your policy wording.
Poor documentation: No photos before cleanup means insurers can dispute the extent of your loss. Always document everything first.
Delayed notification: Most policies have strict reporting timeframes. Missing them gives insurers grounds to reduce your payout.
Source not covered: Flooding, groundwater and drain overflow may be dealt with under a different part of your policy, and some properties have flood excluded, so check your policy wording.
With a loss assessor involved from the start, the damage is recorded before repairs begin and the claim is set out clearly against your policy wording.
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What happens next
From Water 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
An experienced loss assessor inspects the property and identifies what should form part of the claim, including damage that isn’t obvious yet.
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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
Your Claim Is Settled
We negotiate the settlement with your insurer under the terms of your policy. The insurer pays you directly.
Step 01 is a free, no-obligation conversation.
Dublin's Trusted Loss Assessor
Benefits of Using a Public Loss Assessor to Manage Your Claim
Eliminate the Stress of Dealing With The Insurers.
Get Faster Settlement of Your Claim.
Get Expert Help With Your Claim. The first on-site assessment is free, with no obligation.
Call our 24-hour emergency number 01870 9210