Loss Assessor Tipperary
When your home, farm or business in Tipperary is damaged, your insurer sends a Loss Adjuster to look after its interests. A Loss Assessor looks after yours.
Premium Claims Consultants act only for policyholders, never for insurers. For over 16 years we have prepared, presented and negotiated property insurance claims for homeowners, landlords, farmers and businesses all over Tipperary, from Nenagh, Thurles and Roscrea to Cashel, Tipperary Town and Clonmel.
Your claim is handled personally by Iggy Duffy BSc (Surv), Dip L.A. With a degree in surveying and a Diploma in Loss Adjusting, Iggy knows exactly how an insurerโs Loss Adjuster values damage, and where they look to cut a claim. The difference is that he works for you.
โI have been helping Tipperary families for 30 years. When the worst happens and you need to put your home, farm or business back together, you deserve someone in your corner.โ
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 insurerโs 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 insurerโs 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.
Loss Adjuster or Loss Assessor: what is the difference?
| Loss Adjuster | Loss Assessor | |
|---|---|---|
| Appointed by | The insurance company | You, the policyholder |
| Acts for | The insurer | You, exclusively |
| Role | Investigates the loss, checks policy cover and recommends what the insurer should pay | Prepares, quantifies and presents your claim, and negotiates the settlement |
| Paid by | The insurer | You, and only when the claim is settled |
The Loss Adjuster has a job to do for the insurance company. Making your case is not part of it. That is our job.
Property claims we handle across the Premier County
- Fire and smoke damage. Structural damage, smoke and soot, water damage from firefighting, debris removal, contents, and somewhere to live while your home cannot be lived in.
- Escape of water. Burst and leaking pipes, tanks and appliances: floors, ceilings, kitchens and electrics, finding the leak, drying out and full repair.
- Storm and flood damage. Roofs, chimneys, sheds, farm buildings and boundary walls. Flood cover varies from policy to policy, especially near the Shannon, the Suir and Lough Derg, so we check yours first.
- Escape of oil. Leaks from oil tanks and lines, very common with rural oil-fired heating. Contaminated soil, floors and groundwater, specialist clean-up and repair.
- Business interruption. Lost profit, extra costs of keeping going, or lost rent while your premises are out of use.
Homes, holiday homes, farms, rental property and business premises.
Where we work in Tipperary
- Nenagh and Lough Derg: Nenagh, Ballina, Portroe, Dromineer, Puckane, Terryglass and Borrisokane.
- Thurles and Templemore: Thurles, Templemore, Borrisoleigh, Holycross and Littleton.
- Roscrea and the north-east: Roscrea, Cloughjordan, Moneygall and Toomevara.
- Newport and the west: Newport, Birdhill, Rear Cross and Silvermines.
- Cashel and Tipperary Town: Cashel, Tipperary Town, Cahir, Bansha and Golden.
- Clonmel and the south: Clonmel, Carrick-on-Suir, Fethard, Killenaule and Ardfinnan.
From Lough Derg to the Galtees, we cover every corner of the Premier County, and we come to you.
How we handle your claim
- First call and inspection. We look at the damage, often within a few hours, and tell you what to do straight away to stop it getting worse.
- Policy review. We go through your schedule and policy wording: sums insured, conditions, exclusions and excess.
- Every item priced. We list and price every item of damage at todayโs cost of putting it right.
- Presentation and negotiation. We submit the claim, meet the insurerโs Loss Adjuster on site and negotiate each part of the claim.
- Settlement. We advise you on every offer. Nothing is agreed without your instruction.
Why Tipperary policyholders appoint Premium Claims Consultants
- 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 โNo Settlement, No Feeโ basis.
Fees
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.
Loss Assessor Tipperary: common questions
Yes. We take claims in every part of the county, from Nenagh, Thurles and Roscrea to Cashel, Cahir and Clonmel.
Yes. You can appoint a Loss Assessor at any stage before the claim is settled. The earlier we are involved, the more of the claim we can shape.
Often, yes. As with any claim, it depends on what happened. Most policies have unoccupancy conditions, such as how long a house can be left empty and whether the water must be turned off, but depending on the cause of the damage they may not apply. We check those conditions with you before the claim goes in.
It depends on your policy. Some policies include flood and some do not, particularly for homes in flood risk areas near rivers and lakes. Check your schedule or send it to us and we will tell you where you stand before you claim.
Stop the leak if it is safe to do so, keep oil away from drains and watercourses, and tell your insurer straight away. While you must take all reasonable steps to mitigate the damage, do not start a full remediation until the damage has been recorded and insurers have had the opportunity to inspect. We arrange the specialist inspection and present the full cost of the clean-up and repair.
Our fee is normally 10% plus VAT of your settlement, agreed with you at the start. No settlement, no fee, and there is no charge for the first inspection.
Need help with a property claim in Tipperary?
If a claim is worth making, it is worth having a Loss Assessor. Contact Premium Claims today for a free, no-obligation consultation.
Phone: 087 2504664 | Email: info@premiumclaims.ie