• Free initial contact to assess the loss or damage including a review of your policy to establish cover status & ensure your full entitlement.
• A written report listing all damage – structural to cosmetic. Including any personal property damage or loss.
• Assistance reporting the claim to your insurer, all correspondance & forms are filled in correctly and sent post haste.
• Liaise with any loss adjuster appointed by insurers. Negotiate on your behalf, representing your interests at all times.
• Advise you of the ongoing status of the claim and report any progress to you.
• Liaise with contractors for quotes or estimates required during the course of the claim.
• Advise on repair or replacement works making sure you don't fall foul of cowboy builders etc.
• Negotiate the best possible settlement for you.  We will never accept any settlement offer without your prior approval.


• - For details on what is included in our 'No win, No fee' insurance loss assessing service click here.

DID YOU KNOW?
Some of the exclusions on standard policies are:
Theft /stealing (or Attempted theft)
Excluding: Loss or damage while the private house is unfurnished.
Or unoccupied for more than 60 consecutive days immediately prior to the loss or damage.
Freezing or Escape of Water from any Fixed domestic Water plumbing or Heating Installation.
Excluding: Loss or damage while Private house is unfurnished or
Caused by wear, tear, rust or gradual deterioration. where the private house has been unoccupied for more than 60 consecutive days immediately prior to the loss or damage.
Accidental damage to the private house.
Excluding: Loss or damage while the private house, or any part of it is lent, let or sub-let.
The cost of maintenance. Damage by settlement and shrinkage, wet or dry rot, insects, domestic animals, wear and tear, gradual deterioration, mildew, rising damp, moth, vermin, atmospheric or climatic conditions.

These are some exclusions that a policyholder will find when they look over the fine print. Mistakes are made when you assume that you are covered in any event.
Many first time buyers in Dublin city rent a room in their home to help pay the large mortgage they have taken out especially as interests rates rise. You may not think this is 'renting' the house but it may exclude you when the time came to make a claim. Make sure this is not the case and declare to your insurer that you have let a room out in your home and they can give you a different type of cover if required. A policy can have these and other lesser known exclusions and your situation can bear directly on the outcome of a claim. Don't let the details or a lack of understanding of the claims process exclude you from your entitlement. Employ Conspect Loss Assessors to deal with your claim.