Here comes the sun…..

Protect Yourself from the sun..and if you are away from your home, protect yourself from burglary:

1. Secure your windows. In warmer weather, we are more inclined to leave windows or doors unlocked and this is an open invitation to thieves.  Even open windows on a second or third level put you at risk, as thieves can and will find a way up there. It’s also smart to keep obvious valuables away from windows, so as to not tempt thieves on the prowl.

2. Get a home security system.
It should come as no surprise that the number one tool for crime prevention in your home is a home security system. When confronted with a functioning alarm system, burglars commit crimes elsewhere. If you’re serious about protecting your home and family, purchasing a home security system should be your first move. It doesn’t have to cost a fortune either; some companies will give you the home security system for free, you just have to pay for the monthly monitoring. 

3. Shed some light on the situation.
Keeping your outside entryways lit provides you with security when you return home late at night and also has a big effect on home security.

4. Protect your valuables.
A professional thief knows all the obvious hiding places – a freezer, under the mattress or in a biscuit tin. Avoid hiding your valuables in these places.   Nowadays, safes are easily affordable & available and can be secured making access harder for burglars.

6. Protect your identity:Thieves these days are after more than just your jewelery and valuables. Personal information and financial records that make it easy for a thief to steal your identity are also a target. Protect this valuable information by securing it in a safe, and use a shredder to limit the amount of personal information available to thieves.

7. Make your home look “lived in.”
Burglars typically steer clear of homes that are occupied. That’s why it’s important to set lights on timers and leave a radio or TV on when you leave the house. Make sure your timers have a random option that will turn lights on at different times on different days, making it harder for a burglar to detect an obvious pattern. 

8. Know your Neighbours.
A good relationship with your neighbours is a strong asset when it comes to home security. You can’t always be home, so it can be a great comfort to know that others are looking out for you. In addition to forming relationships with your neighbours, you may want to help form a neighborhood watch scheme

9. Keep a detailed inventory of the valuables in your home. If you have a burglary, having a detailed list of the valuable items in your home will help the gardai more quickly recover your stolen property. It will also help with making an insurance claim. If creating a list seems daunting, pick up your camera and take pictures of your valuables. Make sure you store copies of your photos on a DVD or hard drive, and keep these storage devices in a safe place. 


 

 

 

 

 

Fire in a Motor Garage – Insurance Claim

How a Claim for a Fire in a Motor Garage was handled

This was a major loss as a result of a fire. There was a total loss of the building and significant damage to stock, fixtures, fittings and vehicles. The fire was caused by an electrical fault whilst one of the vehicle batteries was being charged.

As a result there were issues over proof of ownership and insurable interest. The insured was a private person (& sole trader) whose company (recently dissolved) was not mentioned in the cover. Some items of stock, fixtures and fittings had been purchased through the limited company. Insureres argued that these items were not insured by the policy as they were purchased through the limited company and not subsequently transferred to the ownership of the insured.

Clearys Loss Assessors, with offices throughout Ireland, argued that, as the Limited Company was dissolved, the assets were transferable to the Insured’s name. This was proven by way of various items of documentation and ultimately ownership was agreed upon and this claim was settled. This claim proved difficult and negotiations were protracted due to the issue of insurable interest and insurer’s desire and effort to avoid liability despite the fact that all this property  and the company itself were owned by the insured and clearly in his total control and possession as reflected in his financial accounts.

 

On the Grapevine with Benen Tierney

Sean Cleary was interview recently by The Grapevine with Benen Tierney on Castlebar Community Radio. This interview is a great introduction to Loss Assessing and what it entails. To listen to the interview just click on the link below. We welcome your comments. Click here to listen to the interview

Your Personal Journey through A Major Insurance Claim

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 will tell you what will happen next. You would expect to be surrounded by accurate information at this vulnerable time but this is very hard to get. Don’t be surprised if the people working for your Insurance Company are evasive, slow to respond, elusive and unable to be definitive. You are not their concern. The Insurance Company is. A decision or acceptance to liability may take months!

3. Frustration – Gardai may carry out an investigation e.g. Scene of Crime or Forensic Investigation. This can be a slow process, with lack of follow up and often no result or satisfactory conclusion. You the owner may be the last person to receive any information. Continue reading

Protect your home this winter

The winter months are a peak time for burglaries in Ireland. With this crime on the rise we have put the following tips and advice together so that you can do all in your power to avoid this menace.

Outside the Home:

Potential intruders will look for signs of carelessness around your property that identify you as an easy target. It does not take a lot of effort to make your home appear less appealing.

  • Never leave shed doors or gates open, keep them closed and locked.
  • Keep all valuables such as bikes and tools locked away, out of sight.
  • Never, ever, leave keys outside under a mat or a plant pot. If you have to leave them for someone, ask a neighbor.
  • Never leave ladders or bins (these can be climbed too) outside or unsecured. Continue reading

What happens when you make an insurance claim

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Once you submit a claim to your insurance company the first thing they will do is appoint one of their professional loss adjusters to use their experience and expertise to minimise the amount of money that they have to pay out. It is important to emphasise that the appointed loss assessor acts solely on behalf of the insurance company and is paid by them.

When the loss assessor visits your property to inspect the damage he or she will discuss the nature and extent of the claim with you and prepare a detailed and confidential report for the insurance company that is not available to you, the policy holder. Continue reading