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
Vincent Hanley
Vincent Hanley
13:59 22 Sep 22
I would be happy to recommend Trevor Kelly (Insurance Claim Solutions) in the event you need to make a claim on your household insurance. We recently had a serious leak in our hot water pipes and Trevor’s prompt attention was the essence of professionalism. It also took the hassle and stress out of dealing with the Insurance Company’s loss adjuster and with the pursuit of our claim. Couldn’t recommend him highly enough and would be very comfortable recommending him to family and friends.
Roger Kear
Roger Kear
10:59 04 Sep 22
The level of service that I received from Trevor Kelly was second to none. This was my first major claim with an Insurer and unsure of the process. Trevor took away all that worry. He was polite, reassuring, punctual and efficient. He dealt will all the details of the claim and completely took away all the hassle. If ever there was a service that I would recommend then it has to be Trevor Kelly. If anyone has the misfortune to make an insurance claim then the first call they should make should be to Trevor Kelly.
Eimear McBride
Eimear McBride
13:13 22 Aug 22
I would highly recommend Trevor's services. He guided me through the process from beginning to end, along with providing helpful advice along the way. He was responsive, efficient, practical and empathetic throughout.
Sherin Mathew
Sherin Mathew
16:42 18 Aug 22
Excellent service.....We went through a tough time and Trevor was there to support us... Proffessional and approachable.... Highly recommending.......
sheila hayes
sheila hayes
09:16 04 Aug 22
I used Trevor's company after I had a leak under my floor, he came recommended to me from leak detectors and the same day as I made the call Craig came out to inspect the damage and he handled everything from there on. I was very anxious as my insurance company had told me they would not cover the damage as I was causing it myself by having to dig up the floor to find the leak but Craig assured me it would be sorted. I am extremely happy with the settlement and the service from Insurance Claim Solutions. I would urge anyone in this position to contact them they take all the worries away.
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