Your Personal Journey through A Major Insurance Claim

1. Shock – for you and your family, both physically and financially. It is not nice to read, but this is a definite consequence of a fire, flood, burglary or any other unforeseen misfortune. Shock can result in the need for medical assistance for the more vulnerable and the young.

2. Uncertainty – No one will tell you what will happen next. You would expect to be surrounded by accurate information at this vulnerable time but this is very hard to get. Don’t be surprised if the people working for your Insurance Company are evasive, slow to respond, elusive and unable to be definitive. You are not their concern. The Insurance Company is. A decision or acceptance to liability may take months!

3. Frustration – Gardai may carry out an investigation e.g. Scene of Crime or Forensic Investigation. This can be a slow process, with lack of follow up and often no result or satisfactory conclusion. You the owner may be the last person to receive any information. Continue reading Your Personal Journey through A Major Insurance Claim

Protect your home this winter

The winter months are a peak time for burglaries in Ireland. With this crime on the rise we have put the following tips and advice together so that you can do all in your power to avoid this menace.

Outside the Home:

Potential intruders will look for signs of carelessness around your property that identify you as an easy target. It does not take a lot of effort to make your home appear less appealing.

  • Never leave shed doors or gates open, keep them closed and locked.
  • Keep all valuables such as bikes and tools locked away, out of sight.
  • Never, ever, leave keys outside under a mat or a plant pot. If you have to leave them for someone, ask a neighbor.
  • Never leave ladders or bins (these can be climbed too) outside or unsecured. Continue reading Protect your home this winter

10th Eircom PhoneWatch Published

Eircom PhoneWatch have recently published their 10th annual Burglary Report revealing an 8.5% increase on last year’s figures. Over the ten years that they have been carrying out their surveys over €700m worth of goods have been stolen from Irish homes.

Speaking at the launch of the report Eoin Dunne, Chief Executive of Eircom PhoneWatch commented “Over the ten years that we have reported on burglary in Ireland, one insight remains constant – burglary regardless of boom or bust is a crime phenomenon, which is simply not going away. The figures consistently demonstrate that the vast majority of burglaries take place while the home is occupied, thus increasing the risk of confrontation and personal danger, so it is of particular importance that people become more security aware while they are in the home. This year’s findings also indicate that burglars are more audacious than ever. As the winter months approach, which over the past ten years has been the busiest for burglars home owners need to be aware that there are simple measures that can be introduced today to make their home more secure”. Continue reading 10th Eircom PhoneWatch Published

What happens when you make an insurance claim

456006

Once you submit a claim to your insurance company the first thing they will do is appoint one of their professional loss adjusters to use their experience and expertise to minimise the amount of money that they have to pay out. It is important to emphasise that the appointed loss assessor acts solely on behalf of the insurance company and is paid by them.

When the loss assessor visits your property to inspect the damage he or she will discuss the nature and extent of the claim with you and prepare a detailed and confidential report for the insurance company that is not available to you, the policy holder. Continue reading What happens when you make an insurance claim