Storm Damage – Snow load and high winds were too much for these buildings.

An unprecedented heavy snowfall between late February and early March 2018 and subsequent storm Emma led to a large number of buildings being damaged by strong winds and heavy snow load.

One such building was our client’s large industrial warehouse. The building suffered catastrophic collapse following the heavy snow; the collapse left the building in a very dangerous condition with a high risk of injury to the general public. This case study shows the complexity of business claims and how important it is to get the help of an experienced loss assessor.

Extensive Storm Damage

Industrial Unit collapsed due to storm damage and heavy snow load

ICS were referred to the client by a close friend whom we had helped previously with an insurance claim. We met with the building owners very shortly after we received the call. We documented the damage and devised an immediate emergency response plan.

Normally you cannot start repair work without the approval of the insurance company, but due to a large number of claims resulting from the storms, there was going to be a delay before the insurance loss adjuster would be able to attend the site.

To prevent further damage and protect the public, we gave our clients the go-ahead to start the remedial work. As the storm damage to the building was so extensive, the emergency plan included the demolition of the building, along with the segregation and enclosure of the damaged area to prevent any risk of harm to the general public and adjoining business owners.

As the damage caused by the storm was extensive, my clients were very worried about the complexities of the claims process and the possible outcome of their storm damage claim. We assured them that we took the best course of action and put their mind at ease.

Our initial meeting with the insurers confirmed that all of the emergency works we carried out were justified and reasonable, and the insurers were satisfied to fully reimburse the expenses that had been incurred.
We negotiated the extent of the emergency works needed, the potential costs and a claims management strategy to be taken to establish the full extent of reinstatement.

The building was made up of reinforced concrete walls, concrete floors and a steel portal frame, it was very important to ascertain the full structural condition of the building before undertaking repairs. We helped our client select and appoint a professional consulting engineer, who then assisted us in compiling a full inventory of all required repairs.

Unfortunately, in this case, the building was so badly damaged that a repair was not going to be feasible and a full rebuild was required. We compiled and formulated an extensive Bill of Quantities for the rebuilding with the input of our client and their design team.

Armed with all the evidence and the rebuild estimates, we entered into negotiations with the insurance company and eventually, following months of intense negotiations, meetings and discussions both on and off site, we achieved a settlement which enabled our client a complete rebuild of the warehouse.

Storm damage claims, especialy commercial claims are very technical in nature and typically require a number of rounds of negotiation. It may even take 5 to 10 rounds to get to an agreeable settlement that we can recommend to our clients. ICS will never recommend settlement to our clients until the very best compensation and settlement terms are negotiated and secured.

Once the insurance company had agreed to the terms, we assisted our client with the tender process and the appointment of a building contractor. The replacement building is now under construction. As new buildings have to be designed and built in line with the current building regulations, the new building will be built to a much higher specification and it will perform better than the original one. Needless to say, the owners were delighted with the outcome and have gone on to refer ICS to others.

 

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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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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