If you’ve suffered damage to your home or business, the process of making an insurance claim in Ireland can feel complicated. Between contacting your insurer, assessing damage, and filling out forms, it’s easy to feel overwhelmed.
At HKP, independent insurance assessors based in the Limerick and Clare region, we help you manage your claim from start to finish — ensuring you get the maximum payout you’re entitled to.
Step 1: Stay Safe and Assess the Situation
Before taking any action:
- Ensure everyone is safe.
- Turn off electricity or gas if damage involves fire or flooding.
- Avoid entering unsafe areas.
- Take initial photos or videos if possible.
Safety always comes first. Only document the damage when it’s secure to do so.
Step 2: Notify Your Insurance Company Immediately
Most insurance policies in Ireland require immediate notification of a potential claim.
When reporting the loss, you’ll usually need:
- Your policy number
- Date and time of incident
- Brief description of what happened
- Supporting photos or evidence
If you’re uncertain about what to include, HKP can help draft your notification correctly to avoid delays or disputes later.
Step 3: Document the Damage Thoroughly
To support your insurance claim:
- Take clear photos of all damage (close-ups and wide shots).
- Keep receipts and invoices for emergency repairs.
- Record detailed notes on how and when the incident occurred.
A professional loss assessor like HKP will conduct a full property inspection to make sure no detail is missed.
Step 4: Hire a Loss Assessor Before the Insurance Company’s Adjuster Arrives
Your insurance provider will likely send a loss adjuster — but remember, they work for the insurance company, not for you.
A loss assessor, like HKP, works on your side to ensure a fair settlement.
We handle:
- All communication with your insurer
- The preparation and submission of your claim
- Independent valuation and negotiation on your behalf
This ensures you receive the maximum claim amount for your loss.
Step 5: Agree on Repairs and Settlement
Once your claim is reviewed, both your assessor and insurer agree on:
- The scope of works (what will be repaired or replaced)
- The settlement amount
When approved, you can begin repairs or replacements. HKP can recommend trusted local tradespeople in Limerick and Clare to ensure the work meets insurance standards.
Step 6: Keep Records and Follow Up
Maintain a record of:
- All correspondence with your insurer
- Repair and replacement invoices
- Photos of completed works
Having everything documented helps if you need to reopen your claim or deal with policy renewals.
Common Types of Insurance Claims in Ireland
HKP.ie helps with a wide range of property and commercial claims, including:
- Fire and smoke damage
- Water leaks and burst pipes
- Storm and flood damage
- Accidental or structural damage
- Burglary or theft
- Business interruption claims
No matter the type of claim, our goal is to make the process simple and stress-free for you.
Why Choose HKP?
Local experts – Serving Limerick, Clare, and surrounding areas
Independent advice – We represent you, not your insurer
Experienced team – Decades of insurance and claims expertise
Full-service support – From first inspection to final payment
Frequently Asked Questions (FAQs)
1. What does a loss assessor do?
A loss assessor manages your insurance claim on your behalf — ensuring that your claim is fairly assessed and that you receive the full entitlement under your policy.
2. Is hiring a loss assessor necessary?
While not required, using HKP.ie often results in faster claims and higher settlements. We take the pressure off and deal directly with your insurer.
3. How long does a typical insurance claim take in Ireland?
Small claims can settle in a few weeks, while larger or more complex claims may take a few months. Our involvement helps speed up the process by handling all communication and documentation.
4. Will my premiums increase after making a claim?
It depends on your insurer and claim type. The key is ensuring your current claim is handled properly so you receive full value for any future adjustments.
5. Can HKP.ie help with commercial or business insurance claims?
Absolutely. We manage both domestic and commercial claims, including fire, flood, equipment damage, and business interruption.
Final Thoughts
Making an insurance claim in Ireland doesn’t have to be complicated. With HKP.ie, you’ll have expert guidance from start to finish — ensuring your claim is managed correctly, efficiently, and fairly.
If you’ve suffered property damage in Limerick, Clare, or nearby areas, contact HKP.ie today for a free consultation.
Visit HKP.ie or call 087 2297155 to get started.