Editor’s Note: We originally published this guide in 2016 following the now forgotten Storm Henry. While the names of the storms change—from Henry and Ophelia to the weather events of 2026—the fundamental pillars of a successful insurance claim remains the same. We have updated this resource to ensure homeowners in Limerick, Clare, and Tipperary have the most current professional representation.

Navigating a property claim is often the most stressful event a homeowner faces. Since 2015, Premium Claims Consultants has advocated for a “Policyholder-First” approach. Whether you are dealing with a burst pipe in the winter or significant storm damage, these core principles remain pertinent:

Many policyholders ask: “Should I contact my insurance company or my loss assessor first?”
The advice we gave a decade ago remains true today: Contact your Loss Assessor immediately. While the insurance company appoints a Loss Adjuster to protect their interests, you deserve an independent expert to ensure your settlement is fair and fast.

Keep as many photos, videos as possible and any receipts or invoices are vital. In 2015, we saw many claims stall because of poor documentation. In 2026, good doccumentary or digital evidence is even more critical. You must prove the extent of your loss. Our team provides the on-site expertise to survey damage in Limerick and across the Mid-West, ensuring nothing is missed in the initial report.

Your policy requires you to “mitigate your loss.” This means taking reasonable steps to prevent further damage—such as tarpauling a roof or drying out a floor. We advise on what constitutes “emergency works” to ensure these costs are recoverable under your policy.

There is often confusion between these roles. To clarify:

The insurance industry has become more automated, but the “Fine Print” has not disappeared. Issues like the Average Clause (Underinsurance) are more prevalent now than they were ten years ago due to rising construction costs.

Our longevity in the industry means we have seen every tactic used to delay or reduce a claim. We bring that decade of “Storm-Tested” experience to every client we represent today.

If you are currently facing property damage, don’t rely on outdated information. Speak to a professional who has been on the ground since before Storm Henry.