In the misfortunate
event of a claim (Loss) occurring – DM Claim C o
n s u l t a n t s / L o s s Assessors are here to
present your insurance claim in a detailed &
professional manner,
protect your interest and maximise your settlement.
Whether you are a householder or a large business we
are experts in our field of assessing loss/damage and
negotiating claims. Let us give you the benefits of
our knowledge in these areas. We are on your side.
DM Claim Consultants/Loss Assessors are specialists
who understand every aspect and procedure involved in
negotiating residential and commercial insurance claims
and will act on your behalf to guarantee a successful
outcome.
DM Claim Consultants/Loss Assessors will look after all
the necessary and often complicated paperwork,
ensuring that you receive your FULL entitlement as
quickly as possible.
DM Claim Consultants/Loss Assessors have a thorough
knowledge of building detail and building costs; we will
establish if a claim is covered under the “Insured Perils”
wording of your policy.
Causes of damage typically allowable in an Insurance
policy include:
• Fire • Smoke damage • Flood • Storm •
Lightening • Burst pipes/water damage • Burglary •
Subsidence • Explosion • Collision (by vehicle,
aircraft, animal etc).
Building and Contents covered in Insurance Policies
usually provide for:
• Alternative accommodation
• Escape of oil
• Fire brigade charges
• Removal of debris
• Professional fees(architects, surveyors, engineers etc.)
• Stealing or attempted stealing
• Liability to the public
• Cost of compliance with local authority following the
loss.
Business Interruption:
When an insured loss results in the interruption
of your business, your policy will also cover any
increased cost of working e.g. rent, alternative
accommodation, advertising of reopening of a business,
hire of additional equipment, emergency repairs etc.
DM Claim Consultants/Loss Assessors represent
the interests of the public, both commercial clients
and private individuals in dealing with their
insurance companies. We safeguard your interests in
what is often our client’s most valuable asset.
Claiming on a insurance policy will be new to
the majority of our clients. DM
Claim Consultants/Loss
Assessors will work diligently on your behalf in
a professional and experienced manner.
DM Claim Consultants/Loss Assessors service includes
• A claim helpline which is
available 24 hours a day, 7 days a week on 091 739517
• A telephone response within 2 hours of a claim
being reported to us and an appointment arranged with
one of our qualified staff at the earliest
opportunity.
• Free consultation with no obligation.
• An Accurate, Fast and Reliable Nationwide Service.
Our qualified staff will provide a Professional and
Confidential service to include:
• Will meet you, the policy holder at your earliest
convenience to discuss the circumstances
surrounding your loss.
• Examine the policy and it’s terms and conditions.
• Offer advice on all matters relating to property losses
and explain in detail the procedure involved.
• If instructed we will survey the damage to your
building and /or contents within 48 hours - in order
to prepare a detailed bill of quantity, estimates,
inventory of stock and consequential loss (if and
when applicable).
• Notify your insurance company of the Loss. (If not
already reported)
• Arrange an appointment with your insurance
company’s Loss Adjuster to visit and inspect the loss.
• Prepare a Full Claim Report and Statement of claim
to the insurer to ensure our client (the
policyholder) receives all they are entitled to.
• We meet with the Loss Adjuster, explain your loss and
present them with your statement of claim. We also
attend all meetings in connection with the claim.
• Negotiate with the insurance company’s loss adjuster
to obtain the best possible settlement for you the
policy holder.
• We obtain an interim payment from Insurers when and
if required.
• We appoint and supervise any specialist required in
making your claim.
• Arrange temporary accommodation or alternative
premises (if necessary) as appropriate under the
policy.
• We arrange and accompany the Loss Adjuster on any
re-inspection that may be required.
• Push for the claim to be settled quickly and favourably
– always acting in the best interests of our client -
the policyholder.
• Manage and supervise repair works if necessary.
• We keep our customers and their brokers (when
applicable) informed every step of the way.
In the event of a claim
DM Claim Consultants/Loss
Assessors are here to represent the
p o l i c y h o l d e r ’ s interests to your
insurers. During the claim process your
insurer will appoint a Loss Adjuster to work
on their behalf and in their interests. By employing
DM Claim Consultants/Loss
Assessors to handle you claim – you can be sure you will
receive what you are entitled to and achieve a settlement
figure that you could not have accomplished alone. We
work for you not the insurance company. If you
suffer a loss, you should immediately consider
engaging the services of a Claim Consultant/Loss
Assessor.
This question and answer section will help you
understand how a Loss Assessor works for you:
What is a Claim Consultant/Loss Assessor?
A Claim Consultant/Loss Assessor is a
specialist who understands every procedure involved
in negotiating insurance claims. They represent the
insurance policy holder who have suffered a loss or
damage to their property through fire, flood, storm,
lightening etc. Employed by the claimant they ensure
the policyholder receives fair compensation for their
loss.
Are Claim Consultants/Loss Assessors connected with
Insurance companies?
No. They work exclusively for the policyholder, negotiating
claims and do not work for Insurance companies.
What is a Loss Adjuster?
A Loss Adjuster is a claims professional working
exclusively for Insurance companies vetting claims. They
are paid by the insurance company – to work on their
behalf, protect their interests, to
investigate policy cover and to adjust the claim
submitted. In the event of a loss, what steps should
I take? Ideally, you should contact a Claim
Consultant/Loss Assessor as soon as possible
following the loss occurring. If contacted first we
will report the matter to your insurer on your
behalf.
Can my Insurance Broker not handle my claim for me?
A Broker is a professional in determining your insurance
needs and recommending the most suitable policy for
you. Their service will not include preparation and
negotiation of a claim on your behalf.
Can I prepare my own claim?
Yes, but Professional and Regulated Claim
Consultants/Loss Assessors are experts in their field. They
will assist in the preparation of inventories, estimates and
other factual proofs of loss. They will handle all the
necessary details for compiling claims as required by the
terms of your insurance policy. Your Claim
Consultant/Loss Assessor will negotiate on your behalf
with the insurance company’s representatives and handle
all matters essential to a proper, fair and satisfactory
adjustment.
How much are the Claims Consultants/Loss Assessors
Fees?
The fee is a percentage of your claim settlement, agreed
in advance and varies on a downward sliding scale for
larger claims. There is no charge for the initial
consultation and no hidden charges thereafter. It becomes
payable only after you have received a settlement cheque
from your insurance company. The use of our service is
cost effective. The value of getting your full entitlement
and having your claim professionally represented on your
behalf will be worthwhile.
Your Entitlement as a Consumer:
A lot of policyholders in Ireland don’t actually realise that
they are entitled as a consumer to have a professional
represent them in their property insurance claim. By using
a Claim Consultant/Loss Assessor you can be sure that
you will achieve the best possible result be it for your
home or business. An insurance policy
is a contract, making it subject to interpretation
and negotiation. How a claim is interpreted,
presented and negotiated directly effects the amount of
settlement the policyholder receives.
If you choose DM Claim Consultants/Loss Assessors to
handle your claim, you can be sure that you the
policyholder receives your full entitlement.
“We are the best at what we do”
DM Claim Consultants / Loss Assessors are regulated
by the Irish Financial Regulatory Authority.
David Moggan is a member of the Insurance Institute of Ireland.
