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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Custome Reviews
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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