Suffered underpaid settlement? 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 an underpaid insurance settlement can be a stressful and challenging experience, particularly when you suspect the offer in front of you does not cover the actual cost of putting the property right. A loss assessor reviews the offer against the real reinstatement cost, identifies the gaps, and re-opens the negotiation. Until you have signed the acceptance form the figure is not final. N.J. Carroll & Associates have recovered shortfalls on settlements across Ireland since 1988.
Remember, settlement offers are starting positions, not final figures. Most claims that are properly reviewed produce a higher settlement on second pass.
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 exact mix needed for shortfall analysis. 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 additional settlement we secure for you, on a no-win, no-fee basis. The initial review is free.
If you have been offered a settlement you are not sure about, please do not hesitate to contact us today. We can review the offer in confidence and tell you whether there is room to push back. For related claim types, see rejected claim help, water damage claims, and fire 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.
Yes, until you sign the acceptance form. We compare the offer to the actual reinstatement cost, identify missing line items (drying, professional fees, alternative accommodation, decoration) and re-open the negotiation with evidence.
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.
