Fire Claim Dublin - Bedroom damaged by fire

Fire Claim - A family home in Dublin damaged by fire

Fire Claim Case Study - Kitchen damaged by fire

 

Fire Insurance Claim Case Study - Kitchen damaged by fire

 

Fire Claim | Case Description

FIRE CLAIM | It was the night of St Patrick’s Day, when the fire suddenly erupted in a Dublin family home. The fire spread very quickly and before anybody could do anything about it, all that remained were four outer walls. The fire completely gutted the house and destroyed most of the house contents.

Like many others, the home owners decided to handle the claim themselves. They got all the necessary forms from the insurance company and following the instructions of their insurers, called in some contractors to assess the cost of repairs. The average quotes came to €160,000 including VAT, so they submitted this amount to the insurers and awaited patiently for the response.

The estimate of €160,000 included the cost of rebuilding parts of the house, replacing the kitchen, wardrobes, floors, bathrooms and some of the contents of the 2000 sq ft bungalow.

The home owners were shocked when they received an offer from their insurers for €96,000 in full and final settlement of their claim. The settlement left the owners at least €64,000 out of pocket and was nowhere near the estimated cost of the repairs.

ICS Loss Assessor – Trevor Kelly called in to help with the claim

On the advice of their friends,  they appointed an experienced Loss Assessor and Insurance Claims Expert – Trevor Kelly to help them resolve this issue. During preliminary investigation, the Loss Assessor discovered that:

  • The insurance company excluded from the compensation kitchen units, appliances, flooring, doors, furniture and most other fittings and contents.
  • Mould growth had started to appear in the cavity and was hidden in areas throughout the building.
  • Insurers used unrealistic pricing to calculate the cost of reinstatement.
  • Insurers insisted on cleaning smoke damaged clothing and furniture.

Fire Claim | The Approach Taken by the ICS Loss Assessor

Trevor engaged a professional smoke and water damage restoration expert to carry out forensic testing on the smoke and water damaged items. The tests confirmed that the damage was too severe to be repaired and the items needed to be replaced.

He also flagged to the insurers that mould had started to grow in some of the areas, and that it needed to be eradicated before any repairs could be carried out.

On behalf of the property owners, Trevor refused the €96 000 offer of settlement and submitted a revised claim for €205,000, €45,000 more than the initial claim filed by the property owners and €109,000 more than what the insurance company initially had offered.

Fire Claim | Achieved Results

The property owners could not believe it when they received €205,000, instead of €96,000 initially offered.  As a result they could afford to rebuild their house and replace all their house contents damaged by the fire. This case study confirms how invaluable is help from an experienced Loss Assessor in managing your insurance claim. Insurance companies obviously try to minimise their losses and they will always try to reduce their payout, if you don’t know how they operate.

Insurance Claim Solutions Case Study - Mr &Mrs S received full settlement

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

Google Reviews

Custome Reviews
Karl Spratt
Karl Spratt
16:47 28 Nov 22
Recently had a bad leak in our upstairs bathroom, I was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor and the Team at Insurance Claim Solutions made everything hassle free, they dealt with all aspects of our claim. Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
Susie Webster
Susie Webster
12:35 03 Nov 22
Recently had a bad leak in my bungalow, was recommended Trevor from Insurance Claims Solutions. The best thing I ever did, Trevor is an exceptional insurance agent who is prompt, efficient, knowledgeable and friendly. Trevor guided my through the process ensuring the outcome for me was his priority. 100% recommend Trevor from Insurance Claims Solutions, if I could give him more than 5 stars I would!
N roy
N roy
19:20 23 Oct 22
Trevor was recommended to us only 4 weeks ago. We had a leak in kitchen which we thought would need just a new floor. Trevor came in and from that moment onwards we were in safe hands, far more damage than we ever thought thanks to Trevor, he did all the work with our insurance company, no hassles at all. If you have something happen at home and are thinking of using your insurance look no further than Trevor. His knowledge his second to none, best decision we have made in years. 5 stars isn't enough.ThanksNigel and Mags
Graham Nugent
Graham Nugent
09:24 20 Oct 22
I am delighted to recommend Insurance Claim Solutions to anyone facing a need to submit a home insurance claim. We had a significant escape of water from our attic tank while we were away, and came home to quite a smelly mess and water damage. We contacted Insurance Claim Solutions and really appreciated Trevor Kelly's attention to detail, and his professionalism. Trevor is a really good communicator and he is friendly, he took away all of the hassle and bureacracy for us; and as an industry expert he was thorough in preparing our claim and negotiating on our behalf. We handed everything over to Trevor and had no regrets; now that the claim has been settled, we could not be more satisfied. Thank you Trevor.
Eoin Donohoe
Eoin Donohoe
09:21 30 Sep 22
I recently worked with Trevor on a housing claim that required experienced support from a top quality professional. Trevor certainly is a high quality professional who provided great support. Trevor is a great communicator and was extremely good at keeping me up to date on how the process was progressing. He kept me reassured that the issue had his focus and commitment at all times. I would highly recommend Trevor.
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