When fire, flood or storm damages your home, you’re displaced, dealing with insurers, contractors and adjusters all at once. We step in on day one. We document every affected room, every damaged item, and present a claim that puts your home back the way it was, or better.
For Homeowners
Your home is more than a building. Your claim should reflect that.
When fire, flood or storm damages your home, you're displaced, dealing with insurers, contractors and adjusters all at once. We step in on day one. We document every affected room, every damaged item, and present a claim that puts your home back the way it was, or better.
We understand homeowners claims
What homeowners get wrong on insurance claims
You are not the expert. You should not have to be.
The insurer's loss adjuster does this every day. Without your own assessor, every word you say can quietly reduce your settlement. We negotiate so you don't have to.
Your family needs the house back.
Children, pets, routines, schools. Every week in temporary accommodation is disruption. We push for fast turnaround and make sure alternative-accommodation cover under your policy is properly used.
Replace, don't make-do.
Insurers default to "indemnity" (depreciated) values. We make sure new-for-old reinstatement clauses in your policy are properly applied so your home is rebuilt to standard, not patched.
- 01 We meet you at home Free site visit, often the same day for emergencies.
- 02 We document everything Room-by-room inventory, structural detail, photographs, contents schedule.
- 03 We deal with the insurer You stop fielding calls. We handle every conversation with the loss adjuster.
- 04 You move back home Full reinstatement, alternative accommodation paid, claim settled.
35+
Years of homeowner claim experience
100%
No win, no fee on every domestic claim
24h
Typical first response time
26
Counties served across Ireland
Claim types
Domestic claims we represent
Pick a claim family below for the dedicated page on how we manage it.
What your home policy actually covers
You are probably entitled to more than you think.
Most homeowner policies include cover that policyholders never claim, simply because nobody told them. We read your policy line by line so nothing is left on the table.
- Buildings, full reinstatement to original specification
- Contents, including new-for-old where the policy permits
- Alternative accommodation while the home is unliveable
- Loss of metered services (water, gas, electricity)
- Professional fees, surveyors, architects, engineers
- Debris removal, making-safe and emergency repairs
"They handled everything. The insurance company would have written the place off. N.J. Carroll got us a settlement that put it right and we were back in the house months sooner than we ever expected."Margaret O. Homeowner, Co. Wicklow
Why N.J. Carroll
Why homeowners choose us
- Established 1988, over 35 years of Irish home insurance experience
- Free, no-obligation home visit anywhere in Ireland
- No win, no fee, you pay only when we deliver
- Central Bank regulated (Cert. C41330)
- Members of SCSI, RICS and the Irish Claims Consultants Association
- Same-day response for fire and major water-damage emergencies
Frequently asked
Common homeowners questions
Will using a loss assessor delay my claim?
No, the opposite. Properly documented claims settle faster because the insurer has fewer reasons to come back with questions. We typically shorten claims that have stalled.
My insurer has already sent a loss adjuster. Is it too late?
Not at all. The loss adjuster works for the insurer, not you. We can step in at any stage of the claim, even after an offer has been made, and frequently improve on it.
How much do you cost?
No win, no fee. Our fee is a percentage of the additional settlement we secure above the insurer's opening position. If we cannot improve your outcome, you owe nothing.
Will my premium go up if I claim?
That depends on the insurer, the claim type, and your history, not on whether you used an assessor. We're happy to advise on the wider implications before you decide to claim at all.
Can you cover the whole country?
Yes. We have a Dublin office and serve every Irish county. Same-day site visits are routine for emergencies; standard claims usually within 48 hours.
Get in touch with our homeowners team
Make your home insurance claim with confidence
Free, no-obligation advice. We typically reply within the hour.
Accountable representation
Ireland's leading Insurance Claim Consultants
We represent homeowners as full members of the four professional bodies that govern insurance, claims and chartered surveying practice in Ireland. The qualifications behind your claim are the ones that matter most.
Start Your Insurance Claim Today
Free initial advice. No win, no fee. Central Bank regulated, Cert C41330.
Make your home insurance claim with confidence
Free, no-obligation advice. We typically reply within the hour.