Subsidence Damage Insurance Claims Loss Assessors Dublin
When your home or business suffers from subsidence damage, the loss on your property will require a specialised understanding of subsidence damage to fully ensure the scope of potential damage can be calculated.
Typically, insurers take longer to settle a subsidence claim than they do to settle any other type of claim made under buildings policies. A significant reason for this is that, with a claim of this nature, identifying the nature of the damage and its cause is far from the end of the investigation. In many ways, it is only the beginning.
In quite a large proportion of the subsidence cases appointed to Public Loss Adjusters, the policyholder complains of delay by the insurer in dealing with a claim. Our approach involves ensuring that insurers and their appointed representatives take a reasonable and proportionate time to investigate and monitor the situation, relative to the damage you have taken.
Putting our client’s mind at rest is an essential part of our service throughout our management of your claim management process.
Despite all the technical know-how that insurers and their representatives devote to resolving your situation, the need to maintain good communication with the policyholders can sometimes be overlooked. For policyholders that are understandably anxious to halt the damage to their homes, possibly already putting up with a considerable degree of inconvenience.
The prospect of apparently unending debates among experts can often be the final straw that can lead to frustration. We will keep communications open throughout your insurance claim.
There are many pitfalls in dealing with a claim of this nature, an example being that sometimes the sum insured may not be enough to pay for stabilisation of the site and the cost of repairing the damage to the buildings. We see complaints where the insurer tries to stop payments in relation to the claim, when they reach the total of the sum insured – even if not all of the necessary stabilisation and/or repair work have been carried out.
When the insurer has chosen to repair the damage, it has entered into a “contract to repair” – this is separate to the contract of insurance. In most cases, this means that the insurer is not able to limit the benefits under the “contract to repair” to the “sum insured” set out in the insurance policy.
As our summers get drier and winters wetter, subsidence damage insurance claims are becoming far more frequent. If your home has been affected by subsidence, you will be rightly concerned about the affect on its value and the inevitable disruption you face.
We can help make the whole process easier by managing your claim from start to finish, while offering help and advice based on dealing with many subsidence damage insurance claims in the past.
Our aim is to ensure that you receive the best possible settlement and your home is completely restored to its former condition and value. To achieve this, we will:
– Arrange appropriate alternative accommodation for you and your family if necessary.
– Meet with your insurance company’s Loss Adjustor at your home to agree their liability in principle.
– Where appropriate, instruct a geotechnical survey.
– Instruct an experienced structural engineer to prepare an independent assessment of the problem and a detailed schedule of repairs, rather than using your insurers suggested contractor.
– Complete all of the documentation around your subsidence damage insurance claim, including your insurer’s forms
– Obtain competitive estimates from our panel of insurance approved contractors.
– Handle all further communication and negotiations with your insurance company, including answering any emails, letters or calls.
– Oversee all repairs and restoration works to ensure they are carried out correctly and to your complete satisfaction.
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