Category Archives: Protect Your Home

Easy to follow advice on protecting your home from Burglary with lessons to learn from case studies of burglary claims we have handled in the past.

Earthquakes! In Ireland?!

Posted on February 2, 2010 by admin

The recent events in Donegal were very mild in comparison and according to the School of Cosmic Physics in the Dublin Institute of Advanced Studies these mild quakes are no indication of a build up to any major event. In fact, most quakes in Ireland are due to the settling and easing of faulted rock stress and are in no way related to fault lines. Continue reading →

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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 →

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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 →

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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 →

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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 →

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Storm Damage & Your Policy

Posted on July 27, 2009 by admin

Your buildings insurance will pay for repair work for the damage done to your property. Most things are covered, apart from the excess but a few areas like gates, fences and shrubs are not normally insured. Your independent loss assessor can advise you in regard to your particular policy. If the worst has happened and you are unable to live in your home most household insurance policies will pay towards equivalent alternative accommodation for several months while repairs are being made. Continue reading →

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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 →

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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 →

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Burglary – Simple steps to lessen your risk

Posted on July 27, 2009 by admin

Most day-time burglary’s take place in unoccupied homes, windows are the most commonly used entry point so make sure that you secure all windows and doors before you leave home or go to bed. It is worthwhile to examine all external window and door locks and make sure that they are in good repair and are of good quality. Replace or repair what is not up to scratch. Continue reading →

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