Suffered stock 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 stock damage insurance claims can be a stressful and challenging experience, particularly when the loss spans damaged stock, contaminated stock, and stock that survived the event but cannot be sold at full price. A loss assessor documents each category of stock loss separately and presents the claim against the right valuation basis. N.J. Carroll & Associates have handled stock claims for Irish retail, hospitality, manufacturing and storage businesses since 1988.
Remember, stock claims are won by clean stock records. Three years of consistent stock-takes plus the purchase ledger settle most stock claims fairly.
A stock damage claim is presented under the contents/stock section of a commercial property policy and covers physical damage, contamination, or destruction of trading stock arising from an insured peril. The basis of valuation (cost, replacement, or selling price) varies by policy and is usually the most contested point.
Most commercial property policies cover stock under contents but the basis of valuation matters:
We are one of Ireland’s most experienced loss-assessing firms, established 1988, regulated by the Central Bank of Ireland. The founders bring a combined background in insurance, quantity surveying, and accountancy, the right mix for stock claims that span physical and accounting valuation.
We act as the insured’s representative throughout. We take the stress and worry off your hands. We 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, no-win, no-fee. The initial consultation is free.
If your business has suffered stock damage, please do not hesitate to contact us today. For related claims, see business interruption claims, fire damage claims, and water 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
An electrical fault in the kitchen behind a built-in oven, and structural damage was caused to the rear wall and full smoke…
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A fire in the apartment directly below contaminated the floor above for over six hours, and heavy soot deposits were left on…
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A fire in the adjoining terrace pushed thick smoke through the party wall and shared roof void, and every carpet, curtain and…
Read storyIt depends on the policy. The default is cost-plus-overheads. Selling-price (declaration-linked) cover is an extension that covers lost margin too. We check the schedule first and present the claim on the most favourable applicable basis.
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.
