Suffered malicious damage? 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 malicious damage by tenant insurance claims can be a stressful and challenging experience, particularly when the damage is the result of a deliberate act and the tenancy ended badly. A loss assessor reads the policy first, evidences the malicious nature of the damage, and presents the claim under the correct section. N.J. Carroll & Associates have handled malicious-damage claims for Irish landlords since 1988.
Remember, malicious damage is a specific peril with specific evidential requirements. The Garda report and your inventory are central.
Malicious damage is deliberate damage to the property caused by an occupier or someone they let in. It is distinct from accidental damage (which is unintentional) and from wear and tear (which is normal use). The intent is the deciding factor.
It depends on the policy. Common conditions and refusal grounds:
We are one of Ireland’s most experienced loss-assessing firms, established 1988, regulated by the Central Bank of Ireland. We act as the landlord’s representative throughout, take the stress and worry off your hands, and ensure that you receive your full entitlement. We are wholly independent and committed to your interests alone.
Our standard fee is 8% plus VAT of the total settlement, no-win, no-fee. The initial consultation is free.
If a tenant has caused malicious damage to your property, please do not hesitate to contact us today. For related claims, see tenant damage claims, loss of rent claims, and burglary 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
The back door was kicked in during the early hours of the morning, and every room had been searched and there was…
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The back door was kicked in during the early hours of the morning, and the alarm system was disabled during the entry…
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The patio doors were prised open with a crowbar overnight, and the alarm system was disabled during the entry and required full…
Read storyMost policies require a Garda incident number where the damage is criminal. Even where it is not strictly required, a Garda report strengthens the claim by evidencing the deliberate nature of the damage.
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.
