Can your home insurance policy stand up to the weather? storm damage pictureDoes your home insurance policy cover you against damage from high winds? Will your insurance company pay out to repair damage caused when your plumbing freezes? How much will you have to pay out of pocket for repairs if heavy snow takes out your rain gutters or damages your roof?

If you’re not sure of the answers to those questions, it might prove enlightening to pull out your home insurance policy and have a read. Or call us for an independent insurance policy review.

Unfortunately too many homeowners find out what their insurance policy does and doesn’t cover after they have incurred a loss and submitted a claim. That’s the case for many homeowners who suffered damage to their homes during the high winds who found, to their shock, that they’d be bearing the brunt of the repair bills from their own pockets.

In fact, the most recent figures suggest that over one third of homeowners have no home insurance at all, and many more are paying out for policies that don’t adequately cover the damages that they might face from adverse weather.

Home insurance policies vary widely on precisely what weather damage they cover, and how much you’re expected to pay out before the insurance company will pay its share. That’s why it’s important to sit down with your your broker or an insurance claims expert such as Insurance Claim Solutions – to discuss precisely how much coverage you have for weather-related damages, and if there are limits and exclusions to that cover. Some of the most common exclusions and limits can include:

Water damage from burst pipes

burst pipeWatch for limits on the amount of damages you can claim if your pipes freeze and burst. A burst pipe in your loft can quickly damage walls and ceilings, and result in unhealthy growth of mold and mildew if not cleaned properly. The cost of all those repairs can easily and quickly mount above typical limits on damages.

Contents cover

DSC_1038If you only have buildings insurance, you may find yourself out of luck when damage to your roof results in the destruction of your expensive draperies, carpets and furnishings. Even if you carry cover for your home contents, you may want to carry extra insurance if you own expensive items like Oriental rugs or fine artwork.

Damage from floods

Flood defencesIf you live in an area with a high possibility of flooding, you may need to purchase separate cover to deal with damage from flooding. It’s vital that you not neglect this, say insurance spokesmen. The cost of repairing damage after a flood can easily run to €30,000 or more.

Outdoor and garden items

home damaged by windMany policies only cover items inside your home from weather damage, while other policies will even pay to replace plants damaged by storms in severe weather. If you’re an avid gardener, or have outdoor patio , a greenhouse or expensive garden equipment, consider a policy that includes garden cover.


Home Insurance Policy Review Service

Insurance Policy Review ServiceBe sure to conduct your home insurance policy review periodically to be certain that you’ve kept it up to date, especially when you make new purchases or add an extension to your home.

Call us today for an independent review of your home insurance policy cover and make sure you are protected.



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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Insurance Claim Solutions
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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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