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
13:56 31 May 22
Trevor was recommended to us by a company who helped detect a leak in our house. Having made contact with Trevor he made it his business to come to the house that same day & gave us great advice & peace of mind as to how to go about our claim & thoroughly investigated the damage. His advice was very helpful and guided us how to go through the process
Grainne Howley
Grainne Howley
10:35 27 May 22
I would highly recommend Trevor’s very professional service. We had a fire at home, needless to say that it could have turned into an extremely stressful situation. This was the first time that I had to deal with such a situation, fortunately Trevor was recommended to me. Trevor was great to deal with throughout the ordeal, he knew what to do and how to do it. He got our insurance claim sorted quickly and efficiently. He saved us from an horrendous amount of stress. If I had deal with the insurance loss adjuster the out come would have been a lot different because I didn’t see all the damage that was caused. Trevor was very thorough and a pleasure to deal with.We had a good out come and now we can put our energy into rebuilding our home. We didn’t have the stress of endless paper work and phone calls and worry and that was invaluable. A great service!
Ellen Brophy
Ellen Brophy
20:04 26 May 22
After a major leak was discovered in our home Trevor was recommended to us.From our first meeting we were impressed at how he explained the process for putting a claim through our Insurance. He arranged all the paperwork, he met with the loss Adjustor from the Insurance Company at our house.He recommended Companies we could use to do the repairs who are excellent.When another problem was discovered during the repair work Trevor went back to the Insurance Company who agreed to meet the extra cost incurred.Trevor's calm manner helped u through a very stressful experience.
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.
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