Fire and Flood - Need to Make an insurance Claim?

Archive for the ‘Fire and Flood’ Category

25 Oct 2011

With the Floods of 2009 in Mind we find ourselves coming into that time of the year again.

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Summertime- By the Fire

4 Aug 2011

Given that the weather is supposed to “improve”- a phrase I use lightly- during the summer months, the most common type of property damage claims are fire related.

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Do You Know your Value at Risk?

In: Commercial Insurance|Fire and Flood|Value At Risk

7 Jul 2011

In the current Economic Climate, a major loss can end a company, particularly if the company is not accurately insured.

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Your Personal Journey through A Major Insurance Claim

In: Claims Settlement|Fire and Flood|General Insurance

5 Nov 2010

1. Shock – for you and your family, both physically and financially. It is not nice to read, but this is a definite consequence of a fire, flood, burglary or any other unforeseen misfortune. Shock can result in the need for medical assistance for the more vulnerable and the young. 2. Uncertainty – No one [...]

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Tags: Burglary, claims, General Insurance, home insurance, insurance claim, loss adjuster, loss assessor, security

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 [...]

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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 2009

Just like August 2008, much of the flooding of the last three weeks occurred in areas never before considered at risk of floods. If you’re a flood victim whose home has never previously been flooded, your insurer will usually cover the five-figure bill you may be facing for damage. But if your flood is the first of many, you may have no choice but to foot the huge bill for future flood damage yourself

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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

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The Devil is in the Detail

19 Nov 2009

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’.

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Assessors and Adjusters

In: Claims Settlement|Commercial Insurance|Fire and Flood|General Insurance|Protect Your Home

29 Oct 2009

Neither the insurance company nor the loss adjuster appointed by the insurance company will prepare or help you to prepare your claim. Under the terms set out in your policy it is up to you to work out the full extent of your loss and submit a properly documented claim to your insurers. You must do this at your own expense.