Eircom PhoneWatch have recently published their 10th annual Burglary Report revealing an 8.5% increase on last year’s figures. Over the ten years that they have been carrying out their surveys over €700m worth of goods have been stolen from Irish homes.

Speaking at the launch of the report Eoin Dunne, Chief Executive of Eircom PhoneWatch commented “Over the ten years that we have reported on burglary in Ireland, one insight remains constant – burglary regardless of boom or bust is a crime phenomenon, which is simply not going away. The figures consistently demonstrate that the vast majority of burglaries take place while the home is occupied, thus increasing the risk of confrontation and personal danger, so it is of particular importance that people become more security aware while they are in the home. This year’s findings also indicate that burglars are more audacious than ever. As the winter months approach, which over the past ten years has been the busiest for burglars home owners need to be aware that there are simple measures that can be introduced today to make their home more secure”. Read the rest of this entry »

Over the years we have dealt with a very large number of household claims. When dealing with large settlements we have discovered surprisingly, time and time again, that the insured will not be aware of the banks interest on their property. If there is a mortgage on your home your bank will have an interest in your property and your insurer is obliged to make your settlement cheque payable to you and your bank if they are aware of that interest. This is where problems arise following a claim.

The bank may be slow to pass the funds on to you – whether you are behind in your payments or not. Due to the confidential nature of our business we cannot talk about specific cases but we have put together the following scenario which is based on cases that we have dealt with;

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Many parts of the country are on flood alert today.

A “code orange” warning has been issued for Greystones in Co. Wicklow.

Areas of Cavan, Monaghan, Mayo, Leitrim, Sligo and Roscommon are also at risk.

The heavy rainfall is set to continue throughout the day – as between 30 to 50 millimetres is forecast to fall.

Please heed the warnings in your area and tune into local radio for updates. If you suffer any damage, give us a call 24 hours, on 1850 28 1850

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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.

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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.

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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.

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We 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 »

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 »

When it comes to your proposal form, be a saint

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 »

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Congratulations 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.

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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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