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

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Insurance Claim Solutions
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Hilary Jordan
Hilary Jordan
17:38 16 May 22
From my first phone conversation with Trevor I felt very confident that I had chosen the right person to help us negotiate through the minefield that is making a claim through your home insurer. Trevor's colleague Craig visited our home and was very sympathetic to our situation after a burst mains pipe. He explained everything he was doing and then dealt with the loss adjustor from our insurance company reducing our stress. We were kept informed during the entire process and even though we were dealt a bit of a curve ball, Trevor negotiated the best result for us and we can't reccomend ICS enough. It was the best decision we could make. As an add-on we would urge anybody reading this review to look at and review your home insurance and protect yourself against underinsurance. Thank you Trevor & Craig
Helen Halpin
Helen Halpin
22:44 08 Feb 22
I can’t recommend Trevor highly enough. After a house fire in Jan 2022, we had no idea what to do next. Thankfully, Trevor was recommended to us, and despite it being a bank holiday, he called to the house and provided all the reassurance we needed at a difficult time. Trevor is exceptionally professional, took care of all the paperwork, navigated through the tricky process with the Insurance company and kept us updated every step of the way. 5* service.
Jo Crawley
Jo Crawley
12:08 08 Dec 21
Great service from Insurance Claim Solutions would highly recommend. Thanks again
Oliver Mitchell
Oliver Mitchell
10:09 02 Dec 21
Trevor came in after we'd already started the claim and realised it was a much bigger issue than we'd originally thought. He stepped in seamlessly and quickly and took over everything, which made our lives far easier. He kept open communication every step of the way and ensured that the whole process went smoothly for us. Would absolutely recommend Insurance claim solutions to anyone.
Eibhlin Ni Ghabhlain
Eibhlin Ni Ghabhlain
10:37 26 Nov 21
It was such a relief to hand over all details of the insurance claim to Trevor when I had a recent mains leak in my house. He more than lived up to the recommendations I had received about his work, efficient, professional, inspiring confidence that all was being dealt with correctly. Within a remarkably short time he had dealt with all details of claim and I’m very happy with what he achieved for me in terms of a settlement. Can highly recommend him!
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