Do I Need a Loss Assessor for a Flood Claim in Limerick?
If your home has suffered flood damage in Limerick, you may be wondering whether you really need a loss assessor — or whether you should deal directly with your insurance company.
The short answer?
In many cases, having an independent loss assessor can significantly improve both the outcome and the speed of your claim.
What Happens After a Flood Claim Is Submitted?
When you notify your insurer:
- They appoint a loss adjuster
- The loss adjuster works for the insurance company
- They assess the damage and recommend a settlement amount
While many claims are handled fairly, the adjuster’s role is to protect the insurer’s financial position — not yours.
That’s where a loss assessor comes in.
What Does a Loss Assessor Do for Flood Claims?
A loss assessor represents you, not the insurance company.
For a flood damage claim in Limerick, a loss assessor will:
- Inspect and document all visible and hidden water damage
- Ensure drying, structural issues, and long-term risks are included
- Prepare and submit detailed valuations
- Negotiate directly with the insurer’s loss adjuster
- Maximise your final settlement
If you’re dealing with burst pipes, river flooding, roof leaks after storms, or water ingress from neighbouring properties, professional representation can make a major difference.
For more information on how the process works, see our detailed guide to [Flood Damage Insurance Claims in Limerick & Clare]
When You Definitely Should Consider a Loss Assessor
You should strongly consider hiring a loss assessor if:
- The damage is extensive
- You’re unsure what your policy covers
- You’re worried about underinsurance
- You feel overwhelmed by paperwork
- The insurer’s offer seems low
- There’s structural or long-term moisture damage involved
Flood claims can become complex very quickly — especially when drying, reinstatement works, and secondary damage are involved.
Is It Worth It Financially?
Most independent loss assessors in Ireland work on a no win, no fee basis, with fees typically agreed as a percentage of the final settlement.
In many cases, policyholders recover significantly more than they would have negotiated alone — more than covering the assessor’s fee.
The Key Question
If your home has been flooded, ask yourself:
If the answer is no, speaking with an independent assessor is a smart first step.
If you’re currently dealing with flood damage, you can learn more about our process here:
[Flood Damage Insurance Claim Services]
Or contact us directly for guidance before finalising your claim.
