Suffered ceiling collapse? You don't have to take the insurer's first offer. We document the loss, prepare the claim, negotiate the settlement, and only get paid when you do.
Established 1988 Central Bank regulated, Cert C41330 No win, no fee
Dealing with a ceiling collapse insurance claim can be a stressful and challenging experience, often happening without warning and leaving the property unsafe. A loss assessor ties the collapse to the right peril, documents the consequential damage, and pushes for a settlement that covers full reinstatement and any contents below. N.J. Carroll & Associates have handled ceiling collapses for Irish policyholders since 1988.
Remember, ceiling collapse claims hinge on the cause. A collapse from an escape of water above is one type of claim; a collapse from age-related plaster failure is another; a collapse from impact damage is a third. The correct peril must be identified before the claim is presented.
A ceiling collapse claim is presented under whichever peril caused the failure. The most common scenario is an escape of water from the property above weakening the plasterwork or laths until they fail. Other causes include long-term water ingress through the roof, structural movement, vibration from neighbouring construction work, or age-related lath-and-plaster failure in older Irish properties.
Most Irish home and commercial policies cover ceiling collapse where it follows from an insured peril. Disputes commonly arise on three points:
We are one of Ireland’s most experienced loss-assessing firms, established 1988, regulated by the Central Bank of Ireland. We act as the insured’s representative throughout, take the stress and worry off your hands, and ensure that you receive your full entitlement under your policy’s terms. We are wholly independent and committed to your interests alone.
Our standard fee is 8% plus VAT of the total settlement, on a no-win, no-fee basis. The initial consultation is free.
If a ceiling collapse has affected your property, please do not hesitate to contact us today. For related claim types, see water damage claims, escape of water claims, and subsidence damage claims. Reach the local team at loss assessors Dublin.
N.J. Carroll & Associates Ltd are regulated by the Central Bank of Ireland. Our Financial Regulator Certificate number is C41330. Niall Carroll is a member of the Society of Chartered Surveyors and the Royal Institute of Chartered Surveyors. We are also a member of the Irish Claims Consultants Association.
Same-day site visit. Make-safe and emergency repairs arranged. Claim opened before the insurer's adjuster lands.
Every conversation logged. Every offer presented to you in writing. You make every decision; we do the negotiation.
Detailed schedule, evidenced and presented. We push until the insurer pays the full entitlement, not the easy figure.
Most home and commercial policies include cover heads policyholders never claim, simply because nobody told them. We read the policy line by line so nothing is left on the table.
Full structural repair to original specification, not depreciated "indemnity" value.
Furniture, appliances, soft furnishings, replaced new-for-old where the policy permits.
If your home is uninhabitable, the insurer pays for somewhere to stay until reinstatement is complete.
Surveyors, architects and structural engineers when remedial work needs their input.
Make-safe, emergency boarding-up and full clearance of damaged materials.
Water, gas and electricity charged through during the claim period.
Three decades of claims means we've handled every major Irish insurer's policy wording, claim process, and adjuster panel. We know what each insurer settles easily and where each one fights.
Case Study
A flash flood during a summer thunderstorm overwhelmed the surface drainage, and the ground floor was covered in 30cm of contaminated water…
Read storyCase Study
An exposed pipe in the garage burst when temperatures dropped below freezing for several nights, and water travelled down through two bedrooms…
Read storyCase Study
Wind-driven rain breached the roof felt and entered the attic, and water saturated the attic insulation before reaching the bedroom ceilings below.…
Read storyPossibly. Ceiling collapse claims hinge on the trigger event. If a leak above weakened the ceiling, that is the peril you claim under. If the collapse was purely age-related, cover may not apply. We engage a structural engineer to evidence the cause.
Some claims trigger a premium increase, some don't, and accidental-damage claims behave very differently from theft or subsidence claims. We'll advise on the wider implications BEFORE you decide to claim, not just push every loss through.
No. The loss adjuster works for the insurance company, their job is to validate the claim and contain its cost. Your loss assessor (us) works only for you, the policyholder. They are not the same role.
No win, no fee. Our fee is a percentage of the additional settlement we secure above the insurer's opening offer, agreed in writing up front. If we cannot improve on what the insurer would have paid you anyway, you owe nothing.
Yes. Our office is in Dublin 6W and we serve every Irish county. Same-day site visits are routine for emergencies; standard non-emergency visits within 48 hours.
Not at all. We can step in at any stage of a claim, even after an offer has been made, and frequently improve the settlement. Don't accept the offer until you've spoken to us, signing accepts the figure as final.
Tell us what happened. Free advice, no obligation, response within the hour during business hours.
Talk to us before you talk to your insurer. Free, no-obligation advice. We typically reply within the hour.
