Loss Assessor Clare

Your claim is handled personally by Iggy Duffy BSc (Surv), Dip L.A., a qualified surveyor who holds a Diploma in Loss Adjusting, with decades of direct field experience. He knows how a Loss Adjuster measures, prices and challenges a claim, because he is trained in the same discipline. The difference is that he works for you.

“Having been based in Clare for many years, I’m privileged to have been of assistance to hundreds of Clare families and to have continuing strong Clare connections.”

Iggy Duffy

What we do for you

• A complete claim. We identify and value every part of your loss: the building, contents, alternative accommodation, loss of rent and the full cost of reinstatement (putting the property back as it was). Each item is measured and priced, so it stands up to the insurer’s scrutiny.
• Your policy, fully understood. We review your cover, conditions, exclusions, excess and the average clause (which reduces a payout where a property is underinsured), and deal with any issues before they affect your claim.
• Professional negotiation. We meet the insurer’s Loss Adjuster on site, respond to every query and negotiate on your behalf through to settlement.
• No settlement, no fee. You pay nothing unless your claim is settled.

The Loss Adjuster is a professional doing a necessary job. It is simply not their job to make your case. That is ours.

• Fire and smoke damage. Structural damage, smoke and soot contamination, water damage from firefighting, debris removal, loss of contents, and alternative accommodation while your home is uninhabitable.
• Escape of water. Burst and leaking pipes, tanks and appliances. Damage to floors, ceilings, kitchens and electrics, trace and access costs, drying and full reinstatement.
• Storm damage. Roofs, chimneys, gutters, outbuildings and boundary structures. Clare’s Atlantic coast, from Loop Head to Black Head, takes the full force of winter storms.
• Escape of oil. Leaks from oil tanks and oil lines. Contamination of soil, sub-floors and groundwater, environmental remediation and reinstatement, working with specialist remediation contractors.
• Business interruption. Loss of gross profit, increased cost of working or loss of rent while your premises are out of use.

Homes, holiday homes, farms, rental property and business premises.

1. First call and inspection. We inspect the damage, often within a few hours, and advise on the emergency measures needed to prevent further loss.
2. Policy review. We examine your policy schedule and wording: sums insured, conditions, exclusions and excess.
3. A measured and priced claim. We measure every item of damage and price it at current reinstatement rates (what it would cost to put right today), so you can see exactly how the figure is made up.
4. Presentation and negotiation. We submit the claim, meet the insurer’s Loss Adjuster on site and negotiate each head of claim.
5. Settlement. We advise you on every offer. Nothing is agreed without your instruction.

• Qualified. BSc (Surv) and a Diploma in Loss Adjusting (Dip L.A.).
• Experienced. Loss Assessors for over 16 years, with decades of direct field experience.
• Trusted. Trusted by thousands of satisfied policyholders across Ireland.
• Responsive. We often inspect within a few hours of your call.
• Regulated. Premium Claims Consultants is regulated by the Central Bank of Ireland.
• On your side. We act for policyholders only, on a “No Settlement, No Fee” basis.

Our fee is normally 10% plus VAT of your settlement, agreed with you at the start. No settlement, no fee. See our Loss Assessor Fees page.