Another reason you need Professional Representation!

This article is from the Independent newspaper on Tuesday 22nd April, 2013 and shows how policyholders are shortchanged by Insurance Companies.

http://www.independent.ie/irish-news/insurance-firms-not-offering-claimants-full-entitlements-29211793.html#comments

Contact Clearys on 1850 28 1850 is you feel you need help with your insurance claim.

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.

 

Leaked Oil seeps through to Neighbours Semi-D – A Case Study

What do do if you detect an oil leak from your tank or associated pipes.

The problem was discovered in the adjoining property and until detailed investigations took place, no one knew the source of the small or the extent of the contamination. The two neighbours had two different Insurance Companies which meant two different teams of people dealing with the event as if it were two separate and individual problems. The Insurance Companies made the whole issue more difficult because neither would accept liability initially. Both insurers argued that it was the others problem. Eventually, the escape of oil was deemed accidental and there was no negligence on the part of either paty and therefor no payment arose under the public liability section of the policy. At this point both insurance companies paid for the de-contamination work by the specialist environmental clean=up companies in the properties they insured. The clean up process must first involve sampling from the ground below the building, the building fabric itself and of course the air in the building. This process produces evidence of the measure of the contamination and the extent of the contamination plume. From this evidence, all parties may then agree the specification for the technical clean-up work and any demolition, removal and rebuilding work required to the building. Even in domestic situations, this clean up process may take 3-6 months where the property is probably unusable. At the end of the repair work, the premises will again need to be tested for any residual contamination (especially the air) for certification that the environmental measures are within acceptable limits i.e that the clean up has worked. Clearly the householder in this type of case requires specific specialised expert advice to avoid the many pitfalls that can arise. Call us today on 1850 28 1850

How Loss Assessors in Ireland work…

How Loss Assessors in Ireland work…

Have you ever suffered a loss in terms of fire, flood, burglary or other damage to your home or business? If you have, then there is a high probability that you made a claim on your insurance? And if so, you may have used a firm of loss assessors to assist you with your claim. You may also have dealt directly with the insurance company yourself.

The objective of any insurance policy is to assist the client regain what they lost during their incident. It is not intended to make people money. Your insurance company will aim to pay out a little as they can, within reason. The Loss assessors job is to work with you to establish what exactly you can claim for and to prepare and manage your claim in a professional way with your insurance company, generally ensuring a speedier and higher value payout.

Insurance is a complex area and making a insurance claim can be testing. Not only do you have the emotional trauma of loss to deal with, but you also have to deal with the insurance loss adjustor, appointed by the Insurance Company looking at everything in a practical way, aiming to quantify losses and reduce payouts. The loss assessor works for the client at all times and can negotiate on your behalf to ensure that you get the settlement that you are entitled to.

A loss assessor will work on any type of claim. The only stipulation required is that you are insured in the first place. Now is not the time to be eliminating insurance payments.

Loss Assessors are skilled in assessing loss and value of loss. In a business environment, there may also be loss of income claims so please be aware of this too.

If you have suffered a loss, do the right thing and call Clearys on 1850 28 1850 today for an initial discussion. We will save you time and money and remove the pain in making insurance claims.

 

Is home insurance necessary?

Its 2012 and as the days and months go by, more and more people are considering more ways in which they can cut down on their monthly outgoings. There is a high percentage of people in the country wrapped up in a financial quagmire and may are really finding it difficult to make ends meet. And they look at all expenditure, including home insurance.

Our advice is this: Make Sure Your Home Is Insured – Cut No Corners  and here’s why:

1. We have worked with thousands of clients in the past 25 years and have helped them recover from flood, fire, property damage as a result of burglary, subsistence claims and leaking pipe damage plus many more. In the vast majority of cases, we were able to help the client recover their loss by working with them and their insurance company. All these clients were insured.

2. The emotional and financial pressure experienced by clients in the face of an event is immense. Having insurance eases some of this pressure in the immediate aftermath and makes it all so much more bearable as time goes on and the recovery process starts.

3. If you are suffering financially right now, neglecting your insurance and subsequently suffering a loss with massively increase your pain and suffering. Its a gamble that you may be considering but no good gambler takes unnecessary risks.

Working with a loss assessor like Clearys will ensure that if you do suffer a loos, your claim will be managed professionally, promptly and with empathy at all times. Call us today to discuss your claim…

Recovering after a Burglary in your home

If you have suffered the trauma of a home burglary, you will have experienced the emotions of anger, fear, indignation, disgust and a sense of loss and invasion of privacy. It can take some time for the recovery to even start to begin. There are a few things that you can do. Not it may seem like you are locking the door after the horse has bolted, but why tempt fate and allow it to happen again. A quick return to normality is the best route to take, blended with taking some preventative measures.

In the immediate aftermath of the burglary, you will need to prepare a loss and damages report. Clearys Loss Assessors will complete this work for you in a thorough and professional manner, taking the headache of your insurance claim away and expediting your claim through the system as quickly as possible.

You may already have printed photos of your belongings, or receits for their purchase, or evidence of you using the items such as jewellery. Please make these available. Create a list of all items stolen and be as descriptive as you can. Your home and contents will cover you for replacement of same items. Clearys will assist you through this porcess.

Carry out a full security audit of your home ensuring all windows have locks and are locked. Do the same with doors. If you have a habit of leaving doors unlocked while indoors, then it may be time to learn some new habits.

Check your alarm system – is it being used all the time. Check your home insurance policy in relation to alarm

Check your routines – are you and your family predictable in your movements – Would someone be able to predict your movements.

Develop a security conscious mindset and also begin to focus on your future. Reliving moments from the burglary will only keep you there and that’s not good. Call Clearys on 1850 28 1850 today to discuss your burglary

 

How Safe is Your Home from Flooding?

Serious Flooding on the River Shannon

Major Flooding in 2009 throughout Ireland resulted in large areas of the country being isolated for weeks. Access to property, damage to buildings and their contents, destruction of stock and loss of  Business due to the flood resulted in many large contentious insurance claims.
Insurance companies argued that property adjacent to rivers were not insured for flood damage as the event was not “ fortuitous”, it was inevitable. Clearly these floods were exceptional so that argument did not hold water for long! Another argument for large areas such as car parks however carried much more weight in that the policy will not pay for damage to “land” or “ground” under the finished car park surfaces.
Rising and falling water table which affect properties adjacent to rivers could give rise to difficulty in dealing with claims for damage to car park surfaces, paving and kerbing, damage to drains and underground services particularly where the issue of Proof of Cause of Damage is a problem. Policies may exclude damage due to changes in water table levels.
Need help? Call 1850 28 1850

Retention in Property Damage Insurance Claims

We are finding more and more that insurers are holding in excess of 30 – 40% of a property damage claim settlement until the client can prove that the work specified in the settlement has been carried out and that invoices are available up to and exceeding the value of the settlement. Retentions are “assumed” to be the difference between insurer’s liability on an indemnity basis and that of reinstatement (i.e. effectively New for Old). The levels of retention however are in our view far in excess of a realistic and fair measure of indemnity – particularly in cases of relatively new residential properties, where actual wear and tear could be argued as extremely nominal.

 

Many issues arise in this area but firstly why is this happening and who benefits. Clearly the insurer benefits from the retention of cash-flow initially. The issue becomes much more significant I believe when one considers that many retentions are ultimately never actually pursued by the client because of the various unfair aspects of the system being applied. For example Loss Adjusters are setting deadlines to have works completed which in many cases do not consider the clients ability to manage a small building project (this is despite the fact that the client is actually entitled to professional fees to have this work done for them) once the deadline passes and works are not complete insurers close the file and make a big deal about re-opening the case. We see many cases where contractors VAT registration is not current – when this happens payment is not made to the client – so the client suffers again.

 

If the client pursues the retention but has not completed all of the work agreed in the settlement for whatever reason again the retention is withheld. This position also applies if the full amount of settlement is not spent on repairs and this may apply to “parts” of the settlement such as Professional Fees or VAT for example.

 

This may be a risky game for insurers as the amounts being held could be argued as being excessive and therefore insurers are not actually paying their true liability under the terms of the policy. This could be a big area of concern in these days of consumer protection and questionable banking and finacial practices.

 

We will rebuild

loss assessor galway, loss assessor donegal,

Could not pass this up… Within 1 hour of the earthquake in Donegal, this was being posted online. Great sense of humour.

As a firm of Loss Assessors based in Galway, Dublin, Limerick and Kilkenny we often deal with situations where people have just suffered a loss and are often distressed and in shock. Its amazing in these situations how well people keep things in perspective, despite the predicament they find themselves in .