The Claim Process – How Insurance Claims Work

A Guide To How Insurance Claims Work

If a disaster struck in your home or business, would you know how to make an insurance claim?

Have you read your policy?

Do you understand your policy?

For most people, the answer to these questions is: “No!”

That’s why we’re providing this guide of “The 10 most important things you need to know about how insurance claims work.”

Step 1: Take Photos and Document Everything

  • Before ANY action is taken, be sure to properly document all damage relating to the claim with photos and video if possible.
  • If you don’t have proof that the damage actually occurred and you make temporary repairs, they may be denied or underpaid.
  • Please do not throw anything away until your insurance company has inspected it.
  • You may not need all of the photos you took, but it’s much better to have too many than not enough. It can be the difference between a successful and unsuccessful claim.

Step 2: Secure the Scene

  • An important step to a property damage insurance claim is to secure the scene. However, do not put your life at risk to secure your home – only secure your property if it is safe to do so.
  • Ensure you take action as quickly as possible, for example, if your home floods and you ignore the damage for several days and allow mould to develop, then you might have trouble getting the incident covered in full, as you’ve not mitigated your loss.
  • It’s important to remember that you should not actually attempt to carry out full repairs. Instead, focus on stabilising the damage. If the damage is severe, a professional remediation and restoration company should begin the restoration process.

Step 3: Contact Your Insurance Company and Start a Claim

All insurance companies have well-established home insurance claims processes that begin with notification of a claim. Typically, there’s a phone number you can call to start the claims process.

It is important to note that if you think that you may need the services of a loss assessor. Many assessors have a particular process that they go through that helps them in securing the best settlement by presenting the full extent of the damage technically and comprehensively. Best to appoint a loss assessor as soon as possible, even before you notify your insurance company.

  • You are obligated to report your claim to insurers as soon as practicably possible. Better still, contact a loss assessor and they can report to insurers once the initial assessment has been made and loss circumstances have been established.
  • When reporting an insurance claim, only provide true facts that you are absolutely sure of in regard to the incident.
  • Don’t assume, guess, or declare anything that you are uncertain of about your loss and damages, or the cause of loss – doing so can potentially complicate or harm your claim settlement.
  • Depending on your situation, your insurance company might provide you with an interim payment or emergency funds that will help cover immediate emergency costs, such as Accommodation, clothing,  boarding up etc.,. Make sure you keep the receipts for everything you spend during this period.

Step 4: Check and Understand your Insurance Policy

  • Before starting your claim, check your insurance policy.
  • Read your policy to understand exactly what is covered. This will put you in a better position to deal with your insurance company. The policy might have a section specific to your type of incident – like a fire or flood. Read that section carefully.
  • You would assume that your insurance policy would be “jargon-free” and clearly state the terms of your coverage in a way that’s easy for anyone to understand.
  • Unfortunately, this is not always the case, and you may need an experienced loss assessor to assist with the interpretation and application of the policy wordings and coverage.

Step 5: Start Compiling Paperwork

  • Every insurance claim comes with paperwork. This is unavoidable, I’m afraid!
  • Be sure to take the necessary time to complete this paperwork in thorough detail and only provide accurate and true information that you are fully certain about.

Step 6: Compilation, presentation and formulation of your claim

  • It is 100% up to the policyholder and/or your loss assessor to fully assess and prove your full loss to your insurance company. Therefore its vitally important that you submit a detailed and comprehensive claim that includes all areas of your claim.
  • A loss assessor is an expert in the assessment, presentation, formulation and negotiation of your claim, and they are your friend in the claims process. They’ll ensure that your position is protected and will get the best possible settlement terms for your loss. This is our business; we speak the claims language, and we are the professionals.

Step 7: Wait for Insurers Loss Adjuster to Evaluate the Claim

  • After you start the claims process with your insurance company, they will send a loss adjuster to your property to begin the evaluation process.  This is to determine how much compensation you should receive and whether or not the incident is covered by your policy.
  • The adjuster wants to ensure the damage occurred during a covered incident and see how best to protect your insurance companies position. They don’t work for you; they work for your insurance company! If possible, you, or someone that represents you, should be present for this inspection, so that your rights are protected.
  • If multiple items in your home were damaged, then the loss adjuster may request an inventory of the damaged items.

Step 8: Wait for your Insurance Company to make an Offer or Deny Your Claim

After the adjuster has visited your property and analysed your claim, there are two possible outcomes:

  • The insurance company will present a settlement offer
  • The insurance company will deny your insurance claim

In some cases, there may be long delays, requests for more paperwork or proof of loss, or even avoidance and disregard of your claim from the insurance company.

All insurance companies have a duty to promptly respond and process insurance claims, which is regulated by the Consumer Protection Code. However, this, unfortunately, is not always what happens and you may come to the point of considering involving a loss assessor is in your best interest.

Step 9: Negotiations and Disputes

  • After receiving an offer from your insurance company, you can choose to accept or deny it. Some homeowners negotiate, claiming that certain items should be covered or that certain damages should be added to the claim.
  • The negotiation process can be complicated – especially if you have limited insurance experience
  • Disputes during the insurance claim process are not uncommon and can quickly become complicated. There could be disputes over what is covered under the insurance policy as well as the value of the items covered. These disputes in an insurance claim can sometimes lead to mediation or arbitration.
  • In other cases, your claim may be totally denied. Your insurance company might have added a clause in your contract that allows them to deny your claim in certain situations e.g. warranties, conditions, exclusions etc.
  • If your insurance company has denied your claim or offered you a low settlement, then you may want to hire a loss assessor. These professionals can negotiate with your insurance company for a higher settlement. They also know far more about insurance than the average policyholder.

Step 10: You Receive Payment from your Insurance Company

If you have legitimately suffered a covered incident, then your home insurance company will send you a cheque to cover all damages and other expenses according to the terms of your insurance policy.

You will also be required to pay the excess, and this will be “deducted” from your pay-out,

Other Things To Know About The Insurance Claims Process

Insurance claims vary as different situations can arise. Some insurance claims are completed in a few days; others can take weeks, months, or even years to settle.

One final thing to note about insurance claims is that a growing number of homeowners are choosing to hire a loss assessor. A loss assessor is a regulated insurance professional dedicated to expediting your claim while securing the best possible compensation.

Call Trevor Kelly today for immediate expert assistance 0863571713

Contact Details

Insurance Claim Solutions
Golf Rd, Rush, Co. Dublin

Mobile: 086 357 1713
Phone : 01 870 9210

We are registered as Public Loss Assessors and fully regulated by the Central Bank of Ireland

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Susan Manning
Susan Manning
08:17 12 Oct 21
The service provided by Trevor Kelly was exceptional. He is... professional, experienced and efficient. The claim was managed entirely by Trevor so I had no worries about completing documents and providing the Insurance Company with the appropriate details. Trevor was recommended to me by a family member who had an equally positive experience. I in turn am entirely happy to recommend Trevor to everyone in my circle of family friends and acquaintances Susan Manningread more
Una Henshaw
Una Henshaw
11:36 09 Oct 21
I would highly recommend Insurance Claim Solutions. Trevor... was recommended to me by a friend and I’m so glad he was. He dealt with all aspects of my claim in a very professional manner and I was very happy with the outcome. He was a pleasure to deal with. Thanks Trevorread more
Brenda Rogan
Brenda Rogan
10:11 08 Oct 21
Trevor Kelly is the ultimate professional who carried out a... thorough survey after we experienced a leak in our home. In advance of engaging his service, he offered his opinion on the matter and walked us through the claim process and the impact to our no claims bonus should we proceeded. He addressed our concerns in all regards whilst turning what otherwise would have been a stressful situation into a much less cumbersome and simple experience. I would have no hesitation in recommending Trevor and ICS.read more
Peter McParland
Peter McParland
16:13 28 Sep 21
Very professional service delivered by Trevor at Insurance... Claims Solutions. Very streamlined and simple service. Pleasure to deal with.read more
Stephen Ruigrok
Stephen Ruigrok
15:11 21 Sep 21
I would highly recommend the services of Insurance Claims... Solutions. Very professional, 5 Star service. Thank you Trevor.read more
Gavin Regan
Gavin Regan
15:24 02 Sep 21
I would highly recommend the services of Insurance Claims... Solutions. Trevor was excellent and handled our claim in such a professional manner. Trevor took the stress out of the whole experience. Thanks Trevor.read more
Maria Creighton
Maria Creighton
09:32 02 Sep 21
Insurance Claim Solutions took away all the stress when... storm damage caused disaster with our roof causing water to leak into our house from the first time meeting Trevor he put us at ease with his friendly nature explaining everything to us from start to finish he dealt completely with our home insurance company and couldn’t be happier with the outcome I highly recommend Trevor at Insurance Claims Solutions very professional service👏👏read more
Aine Magee
Aine Magee
15:36 11 Aug 21
Trevor dealt with a claim I had in relation to leaking... techtite fittings in my house. He was very professional and efficient. And he dealt with all in timely manner when involved. I would very much recommend his services. Thanks Trevor.read more
Deirdre Walls
Deirdre Walls
14:04 10 Aug 21
Trevor was recommended to me by a friend and I am very... grateful he was. It was the first time I have had to make an insurance claim and Trevor's guidance and expertise in this area was invaluable. I would highly recommend him. He was professional and personable and myself and my family are very grateful for his help.read more
Andrew Mathews
Andrew Mathews
17:17 22 Jun 21
Insurance Claim Solutions are an excellent professional... service. I would highly recommend Trevor as he is experienced, knowledgable and very professional. The service is fantastic and stress free. Thank you Trevor.read more
Gisela Walsh
Gisela Walsh
14:24 18 Jun 21
After working with Trevor I can only say that he was a... pleasure to deal with. Very professional and effective. I have no hesitation in recommending him.read more
Clodagh Kennedy
Clodagh Kennedy
14:45 01 Jun 21
Very good service from start to finish. We had water... damage to our recently re-decorated home, we were distraught and stressed. A neighbor of ours recommended Trevor to us. Trevor’s expertise and familiarity of processing a claim took this daunting task to a calmer level, we were delighted with the outcome of our settlement. We highly recommend contacting this company should one be faced with a similar unfortunate situation, it’s five stars from us. Clodagh Kennedy, Co. Dublin.read more
Conor Murray
Conor Murray
08:03 15 May 21
We recently had the nightmare situation of a burst heating... pipe in the concrete slab of our house. Trevor was recommended to us by a friend and we were delighted we contacted him. From his first survey of the damage to settling the claim took about 4 weeks. Trevor took all the stress out of having to negotiate our way through an insurance claim. He told us at the start to trust him, and we were so glad we did, Thank you Trevor, I will be recommending you in the future.read more
Peter O Brien
Peter O Brien
21:38 12 May 21
Trevor was an absolute pleasure to deal with. He was very... professional and knew exactly what he was talking about. He made the whole process very easy and kept us informed throughout. Would highly recommend Trevor. Thanks again.read more
James Darley
James Darley
13:34 28 Apr 21
We had a leak in our Kitchen and Utility Room and contacted... a firm to fix it during discussions with the owner of the Company with regard to making an Insurance Claim he suggested we should employ Insurance Claim Solutions owned by Trevor Kelly and boy are we glad we did. We never realized how much was involved in making a claim. After we met Trevor and discussed his fees etc he then proceeded to do all the work for us with the Insurance Company. He also put us in contact with a Company that will be able to do all the work for us. Trevor negotiated a very fair settlement with the Insurance Company and took so much pressure off us and his fee was very reasonable for all the work involved.Trevor kept us in the loop at all times and we cannot thank him enough. Would absolutely recommend Trevor 100per cent .read more
susan murphy
susan murphy
12:32 28 Apr 21
Trevor was a pleasure to deal with. He was very... professional at a difficult time in his own personal life. Without Trevor we would have never received a good settlement. I have no hesitation in recommending Trevor. Again thank youread more
Samantha Coombes
Samantha Coombes
11:26 07 Apr 21
We had an extremely bad leak in our home, which was very... stressful. We contacted Insurance Claim Solutions and dealt with Trevor. He was extremely professional, knowledgeable and cordial. He always answered our phone calls and texts promptly, which helped alleviate the stress and we are so grateful for all his help in a bad situation. I would highly recommend Trevor and ICS, without hesitation.read more
Brian Tighe
Brian Tighe
11:49 02 Apr 21
Trevor made it all very easy when making my claim to... insurance after gas boiler blew and considerable water damage resulted. Good to get someone knowledgeable on your side. My first time claiming from insurance.read more
Amanda Charters
Amanda Charters
14:36 23 Mar 21
We had a flood in our house a year ago. We contacted Trevor... and he assured us that he could still help even though our situation was slightly different in that the damage from the flood only became visible in the last few months. We gave Trevor all the details and he took over our case dealing with the insurance company. He kept us informed throughout the various stages of the claim and assured us all was progressing well. Within three weeks the claim was processed and we can now proceed with fixing the damage. He took all the stress away from dealing with Insurance Companies. I'm so glad we contacted Trevor, he's very friendly. honest and professional. I can't recommend Trevor highly enough.read more
Ali Safdar
Ali Safdar
23:18 15 Mar 21
Would highly recommend Insurance claim solutions. I have... used Trevor services after having a Fire Damage in my house.Trevor is brilliant. He took all the stress of dealing with my insurance claim and handled everything from day one professionally and efficiently keeping me updated the entire process. And managed to get money for accommodation straight away.Trevor is excellent at his job and I can highly recommend him to anyone with a property damage insurance claim.Thanks again for all your help.read more
Kenneth Hills
Kenneth Hills
12:33 27 Jan 21
Trevor (Insurance Claim Solutions) provided us with a... highly professional and friendly service throughout the claims process. He came highly recommended and we can see why. We had extensive damage caused due to a burst pipe in our boiler which occured only days before Christmas. Trevor responded to our urgent request to assess and submit a claim on our behalf. He took all the hassle and stress out of managing this claim ourselves. His expertise was invaluable in being able to identify all issues and to negotiate with our insurers to ensure all damages were accounted for. Thanks again Trevor.read more
Cynthia Kennedy
Cynthia Kennedy
10:21 22 Jan 21
Excellent service. I cannot recommend Claims Solutions... highly enough. We had a lot of water damage to our home. Trevor was so professional in the way he handled our case from start to finish. He took took the stress out of it completely for us. He was excellent at communicating everything to us. The whole process was completed very quickly. Thank you Trevor.read more
Tim O'Sullivan
Tim O'Sullivan
10:20 11 Jan 21
Trevor is an insurance claims expert and came highly... recommended. He didn't disappoint! After we had a fire at our premises we found ourselves to be under insured. We expected to have to pay for a considerable portion of the rebuild cost but Trevor managed to secure a settlement that covered the rebuild. Excellent work Trevor. Thank you!read more
Terence Herron
Terence Herron
14:39 05 Jan 21
Trevor is a true professional: efficient, thorough,... dedicated and trustworthy. He took care of all dealings with the insurance company. He managed the whole process in a positive, friendly and stress-free way. Highly recommended.read more
Stephen Kennedy
Stephen Kennedy
15:47 23 Dec 20
I was fortunate enough to come across Trevor in what was an... incredibly stressful time, having suffered severe flooding in my home. Trevor, was incredibly helpful, and acted without delay. Trevor, is a consummate professional with a wealth of knowledge in his field, who provides exceptional customer service. A true master in his field. Therefore, I would highly recommend Trevor without any hesitation.read more
Shauna Parle
Shauna Parle
09:47 27 Nov 20
Trevor was extremely helpful and provided an excellent... service throughout the entire process. He really worked to ensure the claims process was as stress free for me as possible by handling all of it on my behalf. I would have been lost without his service after such a traumatic event, couldn’t recommend him enough.read more
D C
D C
22:08 26 Nov 20
I would like to recommend Trevor Kelly for handling my... claim after I had a leak in the house which caused a lot of water damage. He took control and dealt with every aspect of the claim and made the whole experience stress free. I didn’t have to deal with the Insurance company at all, I just handed Trevor the forms and he took care of everything. I found Trevor very helpful and friendly all though the process and once again I wouldn’t hesitate to recommend him.read more
Katherine Lyons
Katherine Lyons
21:45 25 Nov 20
Trevor was very professional and experienced. His... expertise made the whole process go smoothly. He made sure I was informed and put at ease from our very first conversation. I must have thanked him 100 times, it is hard enough to deal with the damage and emotions without having to deal with the stress of the claim also. I will be recommending him to family and friends with confidence. Quick and Professional service. I am delighted with my outcome.read more
Siobhain Tuckey
Siobhain Tuckey
10:06 25 Nov 20
I cannot thank Trevor enough for all his assistance with a... claim on my dads house. He made the process so simply and organized everything. Trevor was easy to work with and excellent at communicating so we understood the process at all times. I would highly recommend working with Trevor in relation to any insurance claims!read more
Natasha Smith Menton
Natasha Smith Menton
21:53 21 Oct 20
I contacted Trevor on behalf of an elderly family member... who had a leak resulting in water damage in his house. Trevor reassured me from the very first call that I was doing the right thing by using his service. He was extremely professional and very thorough in his assessment. We didn't have to fill out any hefty paper work or bounce back and forth with the insurance company. Trevor took care of all that. I couldn't believe how quickly it was processed and settled. Amazing work Trevor. We can't thank you enough for the time and effort that you put in. We can concentrate on the repairs now 👍read more
Sarah Carroll
Sarah Carroll
18:38 16 Oct 20
Trevor Kelly was referred to me by our insurance broker... after complications arose with our claim for water damage to our home. Trevor was not only extremely thorough and experienced with his advice but was also helpful, kind and compassionate. He alleviated so much of the stress endured by the situation by handling absolutely everything for us.Without Trevor's expertise, our claim which was initially declined would never have been approved. His advise was fundamental to the success of our claim, which surpassed all our expectations financially. Thank you so much Trevor for all your wonderful work, I have absolutely no hesitation in recommending your service to anyone who might need it.read more
Louise Cleary
Louise Cleary
12:25 15 Oct 20
I could not recommend Trevor Kelly enough. I was so... stressed out trying to deal with an insurance claim for the first time. Upon recommendation, I contacted Trevor and it was the best decision ever. Thanks to his professionalism, his calming nature, his re-assuring words to me and also to his in depth knowledge of the business, I was able to leave all dealings with my insurance company to him knowing that I was in very capable and safe hands. Thank you again Trevor for looking after me so very well.read more
Lucas Vazquez
Lucas Vazquez
18:11 14 Sep 20
Trevor is one of those really good professionals you are... lucky to cross paths in live. An absolute gentleman from day one , he took all pressure and made it so easy ( it was our first insurance claim ever) .Trevor many thanks for your help! There is not way for thanking you enough and it is being a pleasure to meet you. High recommend to anyone whos in the mist of an insurance claim.! ( nev and lucas, dublin )read more
Riona Mc Grath
Riona Mc Grath
20:35 07 Sep 20
The whole experience was so efficient, easy and honestly... made what should have been an ordeal into a positive experience! Trevor went above and beyond and worth his weight in gold. I would highly recommend Insurance Claims solutions to anyone facing into a claim!read more
Allish Oconnor
Allish Oconnor
20:34 04 Apr 20
Thank you Trevor so much for all your help with my recent... insurance claim. Trevor looked after all paperwork and communication with my insurance company. The claim was processed very efficiently and was totally stress free for me, considering that we had a serious leak in the house. Trevor actually recommended a builder to complete the work and we are extremely satisfied with the job. Do not hesitate to contact Trevor if you find yourself in the need of accessing your insurance! All the best Trevor.read more
Mar O'Donoghue
Mar O'Donoghue
13:08 30 Mar 20
Excellent service. Very difficult case arising due to water... egress from damaged pipe work causing significant subsidence. Insurers attempted to frustrate the claim, without Trevor's help we would never have been able to navigate the claims process successfully. We are forever grateful and would never attempt a home insurance claim again without engaging Trevor first. We cannot recommend his services strongly enough.read more
Antoinette Tierney
Antoinette Tierney
19:18 20 Mar 20
Thanks a million @insurance_claim_solutions_ for looking... after my mam and dad insurance claim after a flood wrecked their bathroom and sitting room. Thank you Trevor for making sure she got fixed up even after the job was finished they would have had no idea how to claim and probably would have left it without claiming, and you took over everything for them. They now have a beautiful wet room which is a godsend to my elderly parents I would highly recommend you in the future and have passed your number on. Thanks again for making a huge difference to their lives greatly appreciated From Antoinetteread more
Miryam Harris
Miryam Harris
09:36 21 Feb 20
Trevor was recommended by our neighbour when we had a water... leak before Christmas. He was just amazing from start to finish and took the hassle way from us having to deal with the insurance company.At all times he was very professional, knowledgeable and courteous.The whole process was seamless from start to finish.I would highly recommend Trevor from Insurance Claims Solutions to anyone.read more
Fidelma Heeney
Fidelma Heeney
14:27 20 Feb 20
Trevor assisted with a claim due to a flood which caused... quite an amount of damage to the property. His calm knowledgeable presence reassured me throughout the process. His professionalism and attention to detail was exceptional and nothing got overlooked. I cannot say enough positive things about his way of working and cannot recommend him highly enough.read more
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