Category Archives: Fire and Flood

Your insurance policy and Fire or Flooding, tips for preventing the preventable and how to prepare for the worst. Tips and case studies to keep you informed and get the best from your policy.

Flood victims may be jilted by insurers Sunday Independent November 29 2009

Posted on December 2, 2009 by admin

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 Continue reading →

Posted in Claims Settlement, Fire and Flood, General Insurance, Protect Your Home | Comments Off

Top Tips for Flood Damage

Posted on November 21, 2009 by admin

Share 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 … Continue reading →

Posted in Claims Settlement, Commercial Insurance, Fire and Flood, General Insurance | Comments Off

The Devil is in the Detail

Posted on November 19, 2009 by admin

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’. Continue reading →

Posted in Claims Settlement, Commercial Insurance, Fire and Flood, General Insurance, Protect Your Home, Value At Risk | Comments Off

Assessors and Adjusters

Posted on October 29, 2009 by admin

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. Continue reading →

Posted in Claims Settlement, Commercial Insurance, Fire and Flood, General Insurance, Protect Your Home | Comments Off

What happens when you make an insurance claim

Posted on October 29, 2009 by admin

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. Continue reading →

Posted in Claims Settlement, Commercial Insurance, Fire and Flood, General Insurance, Protect Your Home | Tagged , , | Comments Off

Why use an independent loss assessor?

Posted on August 24, 2009 by admin

All insurance policies require that the insurance company be notified of the claim within a very short period of time following the event giving rise to a claim, 7 days or less usually. The lack of consumer protection in this area however, creates the position that these deadlines are one-sided only. Continue reading →

Posted in Claims Settlement, Commercial Insurance, Fire and Flood, General Insurance, Value At Risk | Comments Off

Do you live in a flood risk area?

Posted on July 27, 2009 by admin

Sean Cleary, of Cleary’s Loss Assessors advises that you always heed flood warnings, ensure that you have cover in place on your policy for flooding and revise your sums insured annually. If you do experience flooding, appoint an independent loss assessor to settle your insurance claim on your behalf. Continue reading →

Posted in Claims Settlement, Featured, Fire and Flood, General Insurance, Protect Your Home | Comments Off

Fire Prevention – Top tips for home owners

Posted on July 27, 2009 by admin

Every year 46 people die in the Republic of Ireland as a result of fire. Over 1,000 are seriously injured from smoke inhalation and burns and millions of euro’s worth of damage is caused. Sadly, most of these incidents could have been avoided given a basic level of fire safety awareness. A fire in the home can have horrific consequences including death or serious injury, psychological trauma and financial and sentimental loss. Continue reading →

Posted in Featured, Fire and Flood, General Insurance, Protect Your Home | Comments Off