Home Insurance Claim - Insurance Claim FormHandling a home insurance claim by yourself can be tricky. You need to be able to interpret the small print and figure out whether any cover exclusions and clauses apply to your particular case.

Then you need to be able to understand the full extend of the damage. Remember that some damage is not obvious and the contractor you call in to quote, may not have any experience in fire or water damage restoration work.

You will also have a hassle of dealing with your insurer’s loss adjuster, who will use every trick in the book to reduce or even refuse your claim.  And, if this is not all.

Your insurance company will try to delay finalising your claim, hoping that the longer you wait, the more desperate you will become, and you will accept lower settlement.

For those reasons, it is therefore always better to appoint a Public Loss Assessor, who has a lot of experience in handling similar insurance claims.

However, if for whatever reason you still prefer to handle your own claim, here are the steps you need to take if you decide to handle the insurance claim by yourself.

Home Insurance Claim Management Process Steps

  • Photograph and accurately describe all the damaged items. Include make , models and special features.
  • Find receipts where possible for the damaged items.
  • Call your insurance company and get a a claim number
  • Get a claim form to fill
  • Source and obtain 3 estimates from contractors for the required repairs. Make sure that all aspects of the repair have been covered, you cannot make a second claim later. Try to get quotations that are similar in value. The insurers will always consider the cheapest quote.
  • Complete the form as accurately as possible. Do not cross anything out. Think, before you fill it out.
  • Call your insurance company to set up appointment with their Loss Adjusters
  • Meet with a Loss Adjuster who will assess the damage (Be careful here – They will adjust the lowest price estimate and reduce the claim where they think they can apply exclusions and limitations therefore reducing the insurance companys liability).Make sure that aspects of your loss have been assessed correctly. Don’t be confrontational,  be factual and firm.
  • The insurers will give you the final settlement minus  the policy excess. They will keep a portion of your settlement back until repairs are completed and costs vouched. Don’t accept the figure if you think it is unfair. Negotiate a better deal.
  • Once the final settlement figure is agreed and approved by the insurers, you can go ahead and have the property repaired. The difference between the estimates and the actual cost of repairs will have to come from your own pocket.
  • Insurance company will re-inspect your property to ensure that the repairs have been completed.
  • They may take time to pay you out the amount retained. You need to call them and give them hard time if need be.

Need Help With Your Home Insurance Claim?

If you have changed your mind and you don’t fancy the hassle of dealing with the insurers,or facing the risk of having your claim denied,  contact us. We can take care of whole claims process from start to end.

He will be able to carry out specialised assessment and point out hidden damage areas which are not immediately obvious, but they are likely to surface after the claim has been settled and closed.  This will save you expensive repairs out of your pocket in the future .

Appointing an experienced Loss Assessor will also save you the stress and aggravation of dealing with the insurers and help you get you the full compensation you are entitled to.

Insurance Claim Solutions are Public Loss Assessors and Insurance Claim Management Experts operating on your behalf with many successful claim cases under our belt. If you need help with any aspect of your claim, please contact us for a free, no obligation survey.

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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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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