WHAT TO DO IN THE EVENT OF:
PROPERTY CLAIMS FAQ
A loss adjuster is an expert appointed on behalf of the Insurance Company to assess the level of cover available under a policy for the loss which has occurred. Thereafter once policy cover has been established, they assess the amount of compensation that should be paid against the claim in accordance with the policy terms and conditions.
A loss adjuster acts in the interests of Insurers and will ensure that any claim settlement offer made is fair, taking into account all relevant factors.
A Loss Assessor is engaged by you to prepare, negotiate and settle your insurance claim on your behalf. You have the right to appoint a public loss assessor to act on your behalf, however it is at your own expense.
If the claim is straightforward and all of the necessary documentation is available, once cover has been confirmed by the claims handler/loss adjuster, the claim should be processed quite quickly.
There are a few things that you can do to help speed up the process when making a claim
- If possible leave area of damage untouched until our adjuster can attend.
- Photograph the damage and items that are damaged as soon as possible. Try to take photographs before any repairs are done.
- Emergency repairs are only to be carried out in order to avoid any further damage. Make sure to keep all the damaged parts.
- If emergency works have been carried out, please keep the invoice/receipt for our adjuster
- Move any vulnerable items or those capable of being saved to safe areas if required
- Ensure the property is secure if required
- You should notify Gardai /Police immediately if you have not already done so. (Theft/ Accidental Loss/Malicious Damage)
- For any works that have been completed, please secure a WRITTEN INVOICE for the repair or replacement including a statement regarding the cause. Please submit any other claims documentation as soon as possible in order to accelerate progress for you.