Suffered escape of water? 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
Escape of water is one of the most common causes of damage to properties. This insurance peril covers you for any accidental escape of water from any fixed water apparatus. Typically, this will be from a burst pipe from somewhere in the home. This could be due to freezing, cracking, bursting or overflow from a variety of causes.
Generally speaking, if water leaks from any water apparatus or pipe, the damage should be covered. However, most insurers won’t cover damage from gradual deterioration or wear and tear (the cover is intended for sudden, unforeseen damage). For instance, sometimes water damage can occur from faulty seals in a bath or shower. Under some policies, this would be regarded as general wear and tear and hence, the damage would not be covered.
It is also important to note that insurers will pay for the water damage caused by the leaking apparatus or pipe but not the pipe itself. However, this is usually a very small expense in relation to the overall claim. The main issue will be dealing with the damage caused by the water leak to the surrounding finishes.
Please do not hesitate to contact us today and one of our experienced Loss Assessors and claims handlers will talk you through the process of how to go about handling your water damage claim.
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 pinhole leak in a buried hot-water pipe was only discovered when the floor began to sag, and the entire kitchen needed…
Read storyCase Study
A faulty isolating valve on the radiator circuit dripped continuously for over a month, and the entire kitchen needed to be lifted…
Read storyCase Study
A faulty isolating valve on the radiator circuit dripped continuously for over a month, and the hallway floor began to sink in…
Read storyPossibly, but "hidden leak" cover exists for exactly this scenario. The trigger for a successful escape-of-water claim is that the leak couldn't have been reasonably discovered earlier, not that it was discovered immediately. We document the discovery sequence and the inaccessibility of the leak source.
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.
