Claim Resources: Support When You Need It Most
When property damage hits, the sudden complexity of insurance can be overwhelming. This hub is our way of levelling the playing field. We’ve pulled together the local contacts, important information and the clear answers you need to move from the chaos of a loss to the clarity of a professional rec
1. First Steps: Securing the Property
The first thing to do is to make things safe and secure. Your policy requires you to take “reasonable steps” to prevent the damage from getting worse—like stopping a leak or boarding up after a fire. This is called mitigating the loss. It only makes sense to make everything safe and secure for the moment. We help you manage these early hurdles so they don’t become long-term headaches.
Emergency Contact Directory:
- Direct lines for utility providers and Local Authorities across Limerick, Clare, and Tipperary.
- Recovering Emergency Costs: From structural boarding and utility isolation to mandatory Local Authority fire attendance charges, we ensure every “emergency” expense is documented. These are legitimate claim items that should be reimbursed, not paid out of your own pocket.
- Mitigating the Loss: You ae required by your policy to take steps to prevent the damage getting worse. For instance if there is a hidden leak you must take steps to find the leak and have it repaired or at least have it isolated so the damage does not get worse.
- Emergency Contacts and Resources Directory
2. Quantifying Your Loss
We don’t do ballpark figures. To get a claim paid properly, you need a breakdown of the damage based on the actual cost of repairs. We build the case for your settlement using three critical pillars:
- Detailed Scope of Works: We define exactly what needs to be done to restore the property. This isn’t a “patch and paint” list; it’s a comprehensive plan that covers everything from structural safety to the final finish. We identify the damage that isn’t always obvious—like smoke in the wall cavities or moisture trapped in the floors—to ensure the job is done right the first time.
- Bill of Quantities (BoQ): We translate the scope of works into a line-by-line financial breakdown. We price the job based on current market rates—what a contractor in Limerick or Clare actually charges today for materials and labour. This ensures the settlement reflects the real-world cost of reinstatement, not an outdated insurance company estimate.
- Reports & Documentation: A claim is only as strong as the file supporting it. We assist with the heavy lifting of the paperwork—from preparing Damage Reports and Technical Submissions to reviewing your Claims History. We ensure every piece of documentation is professional, giving the insurer the facts they need to approve the settlement.
3. Knowledge is Power: Navigating the Claim
The insurance industry is a complex machine. Our goal is to demystify the process, so you aren’t confused. Whether you are facing a fire, flood, storm, or burglary, it is essential that you have the facts.
Emergency Contact Directory:
- Who is Who? (Roles in a Claim): Don’t walk into a negotiation without knowing who everyone works for. Understand the difference between the Loss Adjuster (who works for the bank) and the Loss Assessor (who works for you).
- Cutting Through the Jargon: We break down the “gotchas” like Underinsurance, Average Clauses, and Policy Exclusions so you can handle your claim with clear eyes.
4. Local Expertise on Lower Gerald Griffin Street
Our office is on Lower Gerald Griffin Street in Limerick, and we operate throughout the Mid-West. This means when you call us, you’re talking to the person who actually visits your property and manages your file.
You have a direct line to your assessor. We don’t pass you around between departments—you deal with one professional who knows the details of your claim from the first survey to the final settlement.
You don’t have to handle the paperwork or the adjusters on your own. We’re here to provide the professional support you need to get things back to normal.