Insurance Claim News

How to Recognise Signs of Subsidence

Owning a home is a great joy, but you may not necessarily feel the Earth move. Yet move it does, and one of the big problems this can lead to is subsidence. Knowing how to spot subsidence symptoms can help you take early preventative action to protect your home from sustaining serious damage. 1. Look for cracks It’s best to start with the obvious. Any new cracks appearing in your

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Underinsurance

At PCLA we have noticed in recent times during claims we are handling that there is an increase in the number of property’s which are underinsured. Most of the time the property owners we are representing have not been aware that this is the case until we are in the middle of the claims process when at this stage there is very little that can be done to rectify this. 

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Trace and Access of an underfloor leak

Underfloor leaks are a common occurrence in Ireland as all our pipework tends to be hidden under the floor normally in concrete or under suspended flooring on ground floors. Several years ago plumbers had to jackhammer up concrete floors trying to trace and access leaks for repair purposes. This could involve removing undamaged floors and then policyholders expected insurers to pick up the bill for everything. At the time Plumbers

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Have you had an oil leak?

This month at Property Claims Loss Assessors Ireland, we have come across several oil leaks. Oil leaks are very common at this time of the year because the temperatures are starting to drop after the summer so people are getting a fill of oil & turning there heating back on.  Oil leaks can lead to extensive damage to your property, health problems & environmental issues, so here at PCLA we

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Are you Sure you’re Insured?

This month at Property Claims Loss Assessors Ireland, we came across several potential claims where there was indeed a valid claim, but the client unknowingly had either no cover, or not enough cover, in place.  Being uninsured or under-insured is a nightmare realization, especially when coupled with the stress the client is undoubtedly already under, so here at PCLA we thought we would outline a few common pitfalls that might

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Underfloor leak

An underfloor leak can be hard to identify and could even take months before anything is noticed in some cases. Underfloor leaks can be identified in some cases by a constant filling of the water tank usually located in the attic or by a drop in the pressure within the heating system. Other indicators such as unexplained puddles of water appearing on the floor or unexplained damp patches. Even with

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Christmas Burglaries

Happy Christmas, it’s a time of year that most of us look forward to………….but for different reasons, unfortunately, thief’s especially look forward to this time of year. Gold and money seems to be the go to items to steal in any break-in, it’s a rare occasion these days would thief’s go for electrics such as TVs as they are too big to conceal and the resale value is not great.

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Storm Hannah

We all heard the warnings last Thursday on the radio, that a status red storm Hannah was approaching. The actual definition of a status Red is below. Take action. Extremely bad weather is expected. Red means people in the areas concerned should take action now to keep themselves and others safe from the impact of the weather. Widespread damage, travel and power disruption and risk to life is likely. You

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Wear and Tear

This is a common term used by insurance companies to decline a claim. As an example if you claimed for storm damage to a roof where parts of the roof are damaged and the survey by the insurance company reveals that the whole roof is in a bad state of repair, then they probably will decline the claim as there was natural ‘wear and tear’ to the roof anyway. The

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neighbours builder damage home

My neighbours builder caused damage to my home?

As the building industry in Ireland is getting busier, renovation of old terrace houses is becoming more frequent. A competent builder will engage a surveyor to do a pre-construction survey of the adjoining houses before construction starts. This will preclude any person with existing cracks claiming that they’re new as a result of the works. If the neighbours contractor causes damage to your property, there are a few avenues that

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