Indemnity.ie
Insurance and Claims Advice from Sean Cleary
Croagh Patrick Climb for the Irish Cancer Society.
In: Uncategorized
29 Jul 2010
Patrick Ginnelly, Michael Higgins, Colm Kilroy and Paul Greene at the Peak
Sean and all the team at Cleary’s Loss Assessors would like to congratulate all of those who climbed Croagh Patrick on Saturday 17th of July in aid of The Irish Cancer Society. The Climb which honoured the memory of David Mc Dermott of Hastings Insurance Brokers, who passed away last year, was organised by members of The Insurance Institute of Galway in conjunction with the Young IBA.
Imbalance of Payments
In: Claims Settlement|Commercial Insurance|Fire and Flood|General Insurance
8 Apr 2010
Last winter’s severe flooding saw hundreds of policy holders greatly affected both emotionally and financially. Luckily, the vast majority of these policy holders had cover in place and could look forward to prompt settlement to get them back on their feet. Or so you would think. Five months on from the floods, Fianna Fail Galway West T.D. Frank Fahy is threatening to name and shame the insurance companies who he accuses of “penny pinching” and making “inadequate responses” to flood victims.
A Lesson To Learn, Now.
In: Claims Settlement|Commercial Insurance|General Insurance|Value At Risk
26 Mar 2010
Don't make the same mistake
As a result of the November floods last year, Grassland Fertilizers suffered losses of up to €1.3 million when up to 70% of the stock stored at its Cork facility was destroyed. A claim was processed and the underwriters failed to pay because there was no cover in place for flood, burst pipes, tempest and/or storm damage. Grassland are now bringing their insurance broker to the commercial court in an effort to recoup their losses.
Insurance Claims Survey
10 Mar 2010We are currently conducting a brief survey regarding your satisfaction with how your claims are being processed. Please take a minute to fill out our very brief poll. Read the rest of this entry »
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- Tags: claims, poll, survey
Earthquakes! In Ireland?!
In: Claims Settlement|Featured|General Insurance|Protect Your Home|Uncategorized
2 Feb 2010
You may or may not be aware of them, but from time to time earthquakes occur in Ireland. Their frequency is rare and their impact is minimal but did you know that almost all insurance policies cover them?
On Tuesday and Wednesday the 26th and 27th of January this year Donegal was hit by two minor quakes measuring 1.5 and 1.7 respectively on the Richter scale. This brought the number of quakes in Donegal in January to 3! Quakes in Ireland are nothing new, in 1984, an earthquake hit Dublin which measured 5.5 on the Richter scale. This is the largest ever recorded in Ireland. The aftershocks from this quake measured up to 4 on the Richter scale. Read the rest of this entry »
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- Tags: claims, donegal, earthquake, insurance
Honesty is the best policy, the Proposal Form
In: Claims Settlement|Commercial Insurance|General Insurance
19 Jan 2010
When it comes to your proposal form, be a saint
Many consumers consider insurance as somewhat of a grudge purchase, we would all prefer not to have to pay for it as many of us will pay premiums without ever, hopefully, having to use the service that we are paying for.
With this in mind, it is fair to say that many people fill out their proposal forms for insurance cover in a somewhat generous way by providing inaccurate information that will bring the premium down a little. In fairness to most consumers, many see this practice of omitting certain minor details as an innocent practice, but beware, your insurers and the wider insurance industry, including ourselves, do not. Read the rest of this entry »
Congratulations to our competition winner
19 Jan 2010Congratulations to Linda O’Connor of Ashbourne, Co. Meath, winner of Clearys Loss Assessors 25th year anniversary draw for a weekend away for 2 in any Carlton Hotel of her choice. Well done from all the team at Clearys, we hope you enjoy your getaway, have a great time.
We would also like to thank everyone who entered the competition, we had a great response.
Flood victims may be jilted by insurers Sunday Independent November 29 2009
In: Claims Settlement|Fire and Flood|General Insurance|Protect Your Home
2 Dec 2009Biblical floods may have destroyed the contents of your home — will insurers now try to pull a fast one, asks Louise McBride
THE devastation that swept the country over the last few weeks as floods wreaked havoc with homes and businesses could be only just beginning. Read the rest of this entry »
Top Tips for Flood Damage
In: Claims Settlement|Commercial Insurance|Fire and Flood|General Insurance
21 Nov 2009
Disconnect any external or internal power at ground level
Do not dispose of any debris until your insurers have seen damage
Remove soft furnishings and floor coverings to dry store
Clear all drainage routes around the property and expose further drainage routes if possible Read the rest of this entry »
The Devil is in the Detail
In: Claims Settlement|Commercial Insurance|Fire and Flood|General Insurance|Protect Your Home|Value At Risk
19 Nov 2009
Material Facts and the Law of Average
We all assume that when something goes wrong, our insurance company is there to help us out and foot the bill. This is the wrong assumption to make as an increasingly hig number of risks are either underinsured, insured incorrectly or are not insured at all.
Insurance companies, like any other business, are there to maximise profits, it is their duty to their shareholders to do so. In the event of a claim, insurance companies try to minimise the amount that they pay out through the strict enforcement of policy terms and conditions. Insurers use little known devices such as the ‘rule of average’. Read the rest of this entry »
About this blog
This blog has been established to give you free and practical advice on insurance, what to do in the event of a claim and how to prevent it in the first place. Every week you will find a new and insightful post on topics ranging from preventing burglary in your home to ensuring your business has adequate cover. With over 25 years experience of dealing with disasters and disaster management, Sean will give you the benefit of his experience so that you can avoid common insurance pitfalls.
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- General Insurance (18)
- Claims Settlement (13)
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- poll (1)
- Protect Your Home (9)
- survey (1)
- Uncategorized (2)
- Value At Risk (4)
- cna training: Keep posting stuff like this i really like it [...]
- Bonzicini: Yea the thing about insurance now is that with technologu and information sharing - even a claim not [...]
- William Kavanagh: Congratulations to Sean & all the Team at Clearys. It's an ill wind at present weatherwise and h [...]
- Tweets that mention Indemnity.ie » Blog Archive » The Devil is in the Detail -- Topsy.com: [...] This post was mentioned on Twitter by Colin Hanley and Sean Cleary, Sean Cleary. Sean Cleary s [...]
- Croagh Patrick Climb for the Irish Cancer Society.
- Imbalance of Payments
- A Lesson To Learn, Now.
- Insurance Claims Survey
- Earthquakes! In Ireland?!
- Honesty is the best policy, the Proposal Form
- Congratulations to our competition winner
- Flood victims may be jilted by insurers Sunday Independent November 29 2009
- Top Tips for Flood Damage
- The Devil is in the Detail