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Description:

All properties are at risk of malicious damage or vandalism, no matter how good the location and neighbourhood. It is a potential hazard for any property owner but if it occurs, it is thankfully relatively simple to deal with and resolve.
Malicious damage or vandalism comes in many forms and many degrees of severity, from simple graffiti or glass breakage to the more extreme end of the scale, such as malicious destruction of property, robbery or arson. In the latter case it is worth remembering that unlike an accidental fire it is the arsonist’s deliberate intention to set fire to the building and to cause damage. They will be looking at ways to maximise the damage. This may include the use of an accelerant such as petrol, or starting fires in more than one place.
Often simple acts of vandalism, like breaking a window, can cause significant damages like that from water which can cause mould, if not addressed in a timely manner.
The act of spilling paint or throwing raw eggs can cause significant damage that requires costly cleanup and repair on the part of the homeowner.
It any cases malicious damage or vandalism to your property is extremely stressful and worrying for many reasons.
Clearys Loss Assessors have dealt with all types fof malicious damage claims. We can help you compile, submit and negotiate your claim to a satisfactory settlement. Our aim is to minimise your stress, time lines and maximise your entitlement under your policy.

Tips:

In the event of Malicious Damage/ Burglary:

  • Ensure that the property is safe to enter, inform your family members or others who will need to be aware of the situation.
  • Call the Garda and report about malicious damage/vandalism.
  • Do not touch anything before the Garda comes.
  • If you have CCTV in operation on the premises, have it ready for the Garda.
  • Save containers which reveal the ingredients of spilled inks, cosmetics and paints.
  • Take photographs of the scene/evidence of damage.
  • Contact Clearys Loss Assessors to get professional advice before you claim.
  • Do not dispose of or repair any aspect of the damage until you have Insurer approval as they may wish to inspect.
  • If the security of the property has been breached, arrange reasonable emergency repairs to prevent further loss.
  • Record all details of emergency repair works.

Contact us for help.

Case Study:

Our client's home was broken into on an evening when all the occupants were out. Not only was cash and jewellery stolen but the intruders caused significant damage to the fabric of the house by defacing walls and furniture. A large amount of contents were damaged. Intruders gained entrance by breaking two windows at the rear of the property.

When the tenants returned home they were met with total destruction of their property. They contacted Gardai and Clearys Loss Assessors. It was evident that the damage caused was both intentional and reckless. Assisted by Clearys the clients catalogued and photographed the damage caused in each room of the house. Because the house required a thorough cleaning, Clearys also assisted our clients in sourcing alterative accommodation following the attack. Following some complex negotiations with Insurers Clearys negotiated a satisfactory settlement for the clients.