Our team of experts will guide you through the complexities of the insurance claim process and ensure you receive the full settlement you deserve. Trust us to handle your claim with expertise and professionalism.
We’re here to support you every step of the way.
We negotiate the best settlement for all types of commercial and domestic property claims
If you have a claim or would like to speak to someone please complete the form below and we will get back to you within 2 hours.
Insurance Claim Solutions has helped thousands of home and business owners with the assessment of damage to their property and start to finish claim management.
We have extensive experience in handling many different insurance claim types, from fire and smoke damage to malicious damage and subsidence.
We can help you uncover damages which are not immediately obvious, interpret the small print in your insurance policy and advise you on the best way to deal with your claim.
If you would like to avoid the stress of dealing with the insurance loss adjuster and don’t have time or necessary knowledge to find reliable contractors to deal with your repairs, we can help you with that too.
If you would like to know more about what is involved in assessing or managing a specific type of claim, click on one of the claim types below.
We work for you to ensure that you get a fair and just settlement from your property insurance claim after a disaster.
We offer comprehensive insurance claims management services covering all stages of the claim management process:
The traumatic experience of having your property damaged by fire is not conducive to adopting a level-headed approach and attention to detail required to deal successfully with an insurance claim
Insurance claims resulting from water damage caused by burst pipes, often omit secondary damage such as rot and mildew, rust problems or electrical problems that may develop months after the claim…
The consequences of an oil leak can be disastrous, not only to the house structure, but to the general health of the occupants. Escaped oil can also pollute soil and shallow underground…
Insurers view most of the theft claims with suspicion and there is usually a long list of requirements you need to comply with, before your claim is regarded as legitimate and approved to be settled…
Losses from Business Interruption are often far greater than losses due to property damage, so it is important to assess them correctly. Unfortunately Business Interruption policy cover doesn’t…
Flood damage claims can be tricky to handle by yourself. You need to be able accurately assess the damage really quickly, and know all the rules and regulations so you don’t invalidate your claim.
Subsidence damage can be hard to prove. Not all cracks in walls and plaster mean you have a problem with subsidence. They can be caused by natural movement in the house structure …
The full extend of storm damage is frequently difficult to assess by the property owner. The structural damage to your property and water ingress are not immediately visible, but can manifest itself…
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Insurance claims can be tricky to assess. Many claim types include secondary damage caused by smoke or water. This kind of damage is often not obvious and can manifest itself long after the claim is settled and closed.
If you just suffered extensive damage to your home due to fire, flood, storm or some other peril, you are possibly traumatized and not thinking straight. This is not the best time to be left on your own, without professional representation. Dealing with a loss adjuster who is trying to minimise the payout, may just prove too stressful. Many policy holders settle for a smaller compensation just because they can’t deal with the insurance company.
ICS are claims experts. We know how to navigate the claim process and how to identify and present the damage to ensure full entitlement. To put it simply – it is in our interest to get you the best settlement possible as our fee depends on our performance.
A Loss Adjuster is a claims professional employed by your insurance company to investigate the claim, scrutinise the policy conditions and to adjust the claim pay-out in line with policy cover. The loss adjuster is paid by the insurance company and therefore works in the interests of the insurance company to minimise their losses.
A Loss Assessor works on behalf of “the policyholder” and we are experts in compiling, formulating and negotiating insurance claims. We specialise in navigating the claims process, protecting the “policyholders” interest and ensuring that policy holders receive the best possible settlement terms. A public loss assessor must be regulated by the central bank.
If your property or business has been damaged and you are considering making a claim, your first call should be to us. As we are claim experts working exclusively on behalf of you, the policy holder, it is critical to get the damage assessed independently, before your claim is presented to your insurers. We can carry out an immediate survey, document the damage, advise on damage limitation and notify your insurance company or broker.
Ideally, you should call a Public Loss Assessor as soon as you suffer a loss. The Loss Assessor can then ensure that the damage is correctly assessed, photographed and documented. Correct recording and documenting of the loss will help you ensure that you receive your full entitlement, and also reduce the risk of prejudicing your claim
Yes we certainly can, just one call to us and we will arrange to visit and survey asap. In addition to the property reinstatement, we can also help in the assessment of lost stock, increased cost of work, business interruption and trading losses.
We carry out a free no obligation first survey and we take your claim on a No Win- No Fee basis. We charge a small percentage of the final settlement, typically 10% + vat. Fees are agreed on a case by case basis, dependent on the size and the complexity of the loss.
Your insurers probably applied the Average Clause.
Home insurance generally covers for “accidents”. Burst pipes and tanks after freezing, but often does not cover for gradual damage from small leaks that might be considered lack of maintenance. Give us a call and we can check your policy against the damage you have.
A standard home owners insurance policy will cover water damage and roof leaks unless they’re the result of gross negligence on your part. Whether the roof leak is caused by a windstorm or a tree crashing through the roof tiles, you’re covered.
On a standard, straightforward claim, it can generally take between 2-6 weeks to get the claim fully settled- ICS are fully committed to ensure that your claim is settled as efficiently as possible.
You should receive your cheque within 7-10 days following the agreement of settlement terms.
Our fee is due when you receive money from insurance company.
A detailed list of insurable perils is listed in your policy booklet. However you also need to consider a list of exclusions and special conditions, frequently buried in the small print. Call us and we can help you determine, free of charge, whether your claim will be successful.
You, the policyholder receives the payment directly from the insurance company. Loss assessors do not commute or handle the settlement funds.
Any claim made on the policy is likely to have an impact on your no claims bonus, each insurer will differ. It is important to weigh up the benefit of the claim and the potential impact. We can advise of the potential impact to your policy on an individual basis. The onus is on the policyholder to advise any future insurer of previous claims.
Loss Assessors are independent and don’t directly complete the reinstatement works. However, we do work closely with a large number of contractors, architects, engineers, surveyors and other construction professionals. We can assist with selection of contractors and recommendations and if required, project manage the repairs.
Burst pipes can be a financial headache for home owners. Fortunately, home insurance typically covers unexpected burst pipes and the water damage that results. However, generally you won’t be covered if the damage results from a slow leak that went unfixed for months.
Saving a few Euro by under insuring your property can case a big problem if you need to make a claim.
Insurance companies apply a mechanism called The Average Clause and is calculated as follows.
This also applies to the contents section of your policy.
Heare is some frequently asked questions about the role of an Insurance Loss Adjuster, the role of a Public Loss Assessor, Loss Assessor Fees, and the overall Claims Management Process.
A experienced Loss Assessor and the owner of Insurance Claim Solutions provide some answers. Click on the question to reveal the response.
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