House just got flooded – what next?
Flood water is often dangerous, due to its speed, depth, hidden obstacles or contamination in the water.
The most important thing to do is to make sure that you and your family remain safe!
Either move to upper parts of your home and call for assistance, or leave the property by a safe, dry route. If anyone remains in the flooded property and the mains electricity supply was not turned off before the flood, do not touch any electrical appliances until you are told it is safe to do so and stay out of floodwater.
Call 112 or 999 if there is any threat to life.
Managing a flood insurance claim can be an extremely complicated affair, which is in turn time consuming and stressful for the individual responsible for managing the claim. A Loss Assessor alleviates this stress by managing the whole claims process on your behalf.
As part of the claims management service, a Loss Assessor will typically offer the following services:
– supervise the initial drying and sanitation of the property.
– help to find appropriate temporary accommodation for you and your family while the repairs are carried out, and arrange emergency funding to support you during this difficult time.
– introduce you to experts such as surveyors to assess the full extent of the structural damage.
– compile your insurance claim for buildings, contents and alternative accommodation, ensuring everything you’re entitled to is covered.
– deal with your insurance company and their loss adjuster, taking all calls, answering all letters and attending all meetings either alongside you or on your behalf.
– negotiate the type of settlement you want: reinstatement, cash or diminution (loss of value).
– introduce you to independent surveyors and contractors who will work in your best interests to restore your property, should you choose to use their services.
– give you control over the refurbishment work, as well as the style and standard of fixtures and fittings, and look at any alterations you may like to incorporate while the building works are being carried out.
As the homeowner, you have ultimate control over your insurance claim. You can choose your Loss Assessor’s style of management; this can range from handing over complete control (other than major decisions) to them, through to working in close partnership together throughout the process.
Put simply, the Loss Assessor can manage the entire insurance claims process for you, allowing you to focus on what matters most – keeping you and your family safe, and getting back into your property as quickly as possible.
When should you contact the Loss Assessor?
A Loss Assessor can assist you at any stage of a claim, however the sooner you bring them on board the better. Drafting in a Loss Assessor prior to submitting a claim will help ensure you remain in control and that you receive everything you are entitled to under the terms of your insurance policy.
How Loss Assessors work
Loss Assessors will liaise with your insurance company and all other involved parties on your behalf, including brokers, surveyors, contractors, solicitors, loss adjusters etc. This means that every aspect of your claim will be managed by the Loss Assessor, from putting in the initial claim, to when you move back into your property.
If you’re a policy holder and you have to make an insurance claim, a professional loss assessor company like Loss Assessors Ireland would help you in managing your claim in general, right from beginning to end.
We can help in each step of the way, from preparing the paperwork all the way to more practical factors of the entire process. We will always strives to make sure that you gain the most equity and best settlement.
For more information on our any of our services, or to discover what makes Loss Assessors Ireland is one of the most renowned firms of loss assessors in Dublin, call our 24/7 number 087-1958363. Or contact us here