Solar Panel Insurance: How Solar Panels Affect Your Home Insurance in Ireland 2025
How Solar Panels Affect Home Insurance Premiums When you install solar panels on your home, your Solar Panel Insurance premium may change. Most insurance providers view solar panels as an improvement to the structure of your home, which increases its value. While solar panels add value to your property, they also represent additional assets that […]
Criminal Damage Act and Property Damage in Ireland: Your Rights After Malicious Damage
Understanding Criminal Damage and the Criminal Damage Act When someone damages your property without a lawful excuse, they’re committing an offence under the Criminal Damage Act 1991. This legislation replaced the older Malicious Damage Act and provides stronger protections for property owners facing intentional or reckless damage to property. Understanding these laws helps you recognise […]
Understanding Betterment Insurance Claims: What Irish Homeowners Need to Know for 2025
When you make an insurance claim for damage to your home, you might expect your insurer to cover the full cost of repairs or replacement. However, many Irish homeowners are surprised to discover their payout has been reduced due to something called “betterment.” Understanding betterment insurance claims and how the betterment clause works is crucial […]
Bathroom Leak Insurance Claim: Complete Guide for Irish Homeowners 2025
If you’ve discovered water damage from a bathroom leak and need to make an insurance claim, you’re not alone. Water leaks are one of the most common causes of home insurance claims in Ireland. This guide will help you understand how to make a water damage claim, what your insurance policies provide coverage for, and […]
Water Damage Insurance Claims: How to Get Your Claim Approved Fast
You walk into your kitchen, and your socks are soaking. Water everywhere. Your washing machine has decided to flood your house whilst you were sleeping. Now what? If you’ve never made a water damage insurance claim before, you’re about to discover that insurance companies don’t make it easy. They’ll use terms you don’t understand, ask […]
How Global Warming is Reshaping Ireland’s Insurance Landscape
The emerald isle has long been synonymous with unpredictable weather, but climate change is introducing unprecedented challenges that are fundamentally altering Ireland’s insurance industry. As global temperatures rise and weather patterns become increasingly erratic, Irish insurers find themselves at the forefront of a rapidly evolving risk landscape that demands innovative approaches to underwriting, claims management, […]
The Average Clause in Home Insurance: A Homeowner’s Guide to Underinsurance in Ireland
Your home suffers €40,000 worth of storm damage. You file a claim. Your insurer offers just €30,000. Confused? Angry? You’re experiencing the Average Clause in action. This single insurance provision costs Irish homeowners millions each year. Yet most discover it exists only after disaster strikes. When bills mount and stress peaks. As Public Loss Assessors, […]
Common Causes of House Fires in Ireland and How to Prevent Them (2025 Data)
A house fire can destroy a home in minutes, but the financial and emotional consequences last for years. While our complete guide to fire damage claims explains how to navigate the aftermath, prevention is the best strategy. Understanding the actual causes of house fires, based on the latest national fire statistics, is the first step […]
Fire Damage Claims Ireland: Complete Guide to Home Insurance Claims
Fire damage claims in Ireland can be worth anywhere from €25,000 for a kitchen fire to over €500,000 for a total loss. But here’s what most homeowners don’t know: you’re probably about to lose €50,000 because you don’t understand how the system really works. Your kitchen is on fire right now. Flames eat through your […]
The Ultimate Insurance Claim Checklist for a Seamless Assessment
Making an insurance claim can be a daunting and stressful experience, often following a significant loss or disruption. Whether you’re a homeowner in Cork dealing with storm damage or a business owner in Dublin facing operational downtime, a structured approach is paramount to a successful outcome. This is where an insurance claim checklist becomes your most valuable tool. This […]