Fire Damage & Smoke Damage Loss Assessors
Fire damage and smoke damage to your home or business is emotionally and financially draining, not to mention incredibly time-consuming especially when dealing with Insurance Companies and all the paperwork that goes with it! Claims Assist Ireland are experts in fast tracking your insurance claim and ensuring you get your maximum payout entitlement from your insurance company. Our expert loss assessors are there to advise you what to do after a house fire or any other property damage claim.
We provide a Nationwide independent insurance assessor service and our claim assessors in Limerick, Cork, Galway, Waterford and Dublin are all ready to take your call and progress and manage your house fire insurance claim. Lo Call 1890 929 555
Below is footage of a kitchen house fire we were called out to recently. Our assessor on site uploaded to our YouTube Channel to give you an idea of the damage a fire in a house can cause.
Employing the services of highly experienced and reputable fire damage insurance loss assessors such as Claims Assist Ireland will take the stress and strain away from you and your family, and make a real difference to the ultimate outcome and claim payout of your claim.
The claims management team at Claims Assist will speed up the claim process and ensure you get the maximum settlement you are entitled to under the terms of your policy, leaving you to concentrate on your family and business.
Some of the common questions we get asked by clients with house insurance claims are;
- What type of damages caused by fire are covered?
- Can we recommend a company for repairing fire damage?
- How long do kitchen fire insurance claims take?
- How to get rid of smoke smell after a fire?
- Do Claims Assist provide “house fire no insurance help” or “Kitchen Fire insurance claims tips?
- How long does it take to process a house fire insurance claim?
Our independent claims consultants are available to answer all your questions on 1890 929 555
When you report the claim to your insurance company they will appoint their own insurance loss adjuster who will assess the claim on their behalf. This insurance loss adjuster will then visit your fire damaged property to interview you and your family on the events surrounding the fire and they will also require you to fill and sign various documents. A series of photos and measurements of the property will be taken and then they will investigate the loss further by getting specialist reports from engineers, forensics etc. Based on all this info they will then recommend if any settlement should be paid out by your insurance company.
Generally the only difference between independent insurance assessors and independent insurance adjusters is that they work on opposite sides of an insurance claim. Loss Assessors are qualified loss adjusters but they only represent the public never the insurance companies. Neither the public loss assessor or loss adjuster is independent since they are both employed to represent their clients opposing financial interests, and in a claim scenario the Public Loss Assessor (PLA) attempts to extract the maximum payout entitlement from the insurer whilst the Loss Adjuster attempts to avoid or minimise the claim payment.
Your insurance company would prefer if their policyholders did not engage public loss assessors because they can get away with greatly reduced claim settlement payments when dealing directly with “amateur” property owners against their “Professional Loss Adjusters”
We can advise you on to how to deal with home insurance adjusters and provide tips for dealing with insurance adjusters.
We can also provide assistance with “help after a fire no insurance”
It is a common occurrence that secondary fire damage (smoke damage, contamination and water damage) gets overlooked and ignored by loss adjusters. One of our main roles as insurance claim assessors is when we meet the loss adjuster at the fire damaged property we will point out and illustrate all the damage, both obvious and hidden.
It is a widely known fact that settlements in general are much lower than the amount you could have received if you had employed your own public claims loss assessor to assess the damage and help you compile and negotiate your claim settlement.
As registered insurance claim assessors and public loss assessors we only represent you the policy holder, never the insurer.
We make sure all the obvious damage is claimed for along with the hidden damage that will eventually appear (mould growth, failure of electrical components due to smoke damage, contamination, rusting, general deterioration etc)
What does a Public Loss Assessor do?
An insurance loss assessor will attend site meetings with loss adjusters at the damaged property and prepare, compile and negotiate a maximum claim settlement for their clients under the terms of the insurance policy.
We can handle all aspects of the claim, from reporting the claim to your insurance company all the way to chasing the settlement cheque until it comes to your letter box.
Loss Assessors fees
Insurance Loss Assessors generally work on a “no win no fee” basis. Loss assessor fees are generally a percentage of the successful claim settlement payout your loss assessor has fought, negotiated and won for you and typically is approx. 10%.
Insurance companies will not cover claim preparation fees such as loss assessor fees, surveyor fees & other professional costs involved in ‘proving or preparing’ an insurance claim, however, the increased payout a public loss assessor can bring substantially exceeds their 10% fee and in many cases can exceed 30% – 50%.
It is absolutely essential for all policyholders when making a claim to obtain the professional advice or services of a Public Loss Assessor (PLA) if they are to stand any chance of achieving a fair or equitable insurance claim settlement.
Contact us at Claims Assist Ireland for further details on our Nationwide Insurance Assessor services that we can offer you.
Our Claims Management Team handle all insurance claims such as kitchen fire damage, house fire damage, flood damage, oil spills, theft, subsidence, chimney fires, water leaks, burst pipes etc
Call our Loss Assessors in Clare, Limerick Tipperary, Cork and Kerry for your free fire in kitchen advice and fire insurance claim site assessment. We will advise you on how to protect your interests, how to get your fire damaged house repaired as quickly as possible and what to do after a house fire. Our Munster claims management team will meet up with your insurance company’s loss adjuster to undergo in depth negotiations on scope of repairs and costings that will ensure you get 100% of your payout entitlement in a swift manner.