Water Damage – Insurance Claim Case Study


Water damage insurance claims require attention to detail and expert knowledge in several fields. The extent of water damage is not always easy to assess by an average home owner. A wet spot on the ceiling can look deceptively harmless yet cause a lot of long term problems. Unless the home owner is a structural engineer, property surveyor, or has a prior water damage claims experience  much damage can go unnoticed and only show long after the insurance claim is closed.

Water getting into the wrong places can cause structural damage, can result in developing rot, mould, mildew or rust problems. It can even be the cause of a fire from unnoticed electrical damage. It is therefore advisable to use the services of a professional loss assessor, rather than trying to assess the damage and file in the claim yourself.

Discovering the extend of damage and correctly completing the required paperwork is frequently the most difficult part of filing the claim. In an effort to reduce the payout, the insurers will try to dispute every item, unless there is undisputed evidence that  the damage had occurred. We work hard to ensure that our clients are protected and that they receive a full compensation for their loss.


Water Damage Case Study

Moisture meter for water damageA few weeks ago ICS received a call from a client who had returned home after a short vacation and found extensive damage to his home following a substantial leak from the attic tank.

The ballcock in the attic tank had gotten stuck, allowing water to continually fill the tank; the water overflowed and escaped to the rooms below. The tanks were located high in the attic space and the escape of water affected the whole house.  Half of the ceilings collapsed and the water was pooling in the rooms below.


water damage under the carpetThe damage to the property extended beyond the obvious. By using our substantial claims management experience and specialist moisture detection apparatus, we were able to discover the damage which was not immediately apparent, especially to the home owner.

The water had caused extensive damage to insulation, ceilings, wall plaster, flooring, furniture, clothing and carpets, kitchen units, wall tiling, fitted furniture, doors, frames and more.

As the property was uninhabitable and speed of handling the claim was important, we completed the full survey within 8 hours of receiving the call, and reported the claim to the insurers.

Whilst we were awaiting the response from the insurance company, we recommended a professional water damage restoration crew who were able to quickly strip out the property, install dehumidifiers and air movers.

In the meantime we entered into negotiations with the insurance company loss adjuster and agreed a favourable settlement. The favourable settlement terms allowed the policyholder to reinstate the property to current regulations and as new. The clients were delighted with the outcome, see the testimonial we received …


Advantages of employing a professional Loss Assessor

  •  No paperwork to fill out- ICS take care of this
  • Access to our expert specialist partners to commence repairs to mitigate the loss and to speed up the reinstatement process.
  • Full claim management from start to finish from a registered building surveyor and regulated insurance expert
  • Peace of mind that no damage is left undiscovered
  • Achieve more favourable settlement terms with considerably less stress
  • Expert guidance, support and assistance in all areas of the claim an experienced professional building surveyor. Claims are our core business and we handle 100’s of claims every year.
  • As ICS are owner operated, the policyholder receives a 1 to 1 personal service


Main water damage claims page

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
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.
Nicole Mc Laughlin
Nicole Mc Laughlin
18:57 26 Sep 22
We cannot give Trevor enough praise and appreciation for his incredible help during our time of crisis. We had a fire in our kitchen, that destroyed the kitchen and damaged the rest of the house. To say we were frightened, overwhelmed, and frankly clueless on what to do would be an understatement. Trevor was with us every step of the way; guiding us on what we needed to do, dealing with our insurance provider, putting us in touch with a clean-up team for our home and possessions, and introducing us to a construction team to do the re-build. *see before and after picsWe were treated with kindness and care by all involved, and our home came out absolutely beautifully! If you or anyone you know should be unfortunate to find themselves in a similar situation, we highly recommend giving Trevor a call!
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