Effective Water Damage Claim Management in Downpatrick

Client Overview

• Client: Mr. O’Neill
• Location: Downpatrick, Northern Ireland
• Industry: Residential Property Owner
• Services Used: Loss Assessment, Claim Management

Introduction

Mr. O’Neill, a homeowner in Downpatrick, Northern Ireland, experienced significant water damage to his property due to a burst pipe during the winter of 2023. The incident resulted in extensive water ingress affecting the structural integrity of the property and damaging valuable contents.

The Problem

• Incident Description: A burst pipe in the attic during a particularly cold snap, leading to widespread water damage on two floors of the property.
• Challenges Faced by the Client:
  • Extensive damage to the property structure and contents.
  • Insurance company disputed the nature of the claim.
  • Client was overwhelmed by the complexity of the insurance claims process.

The Solution

• Loss Assessor Engagement: After the initial feedback from his insurance company, Mr. O’Neill quickly decided he needed expert help. After Googling for water damage insurance help, he engaged Property Claims Loss Assessors Ltd. (PCLA) to manage his claim.
• Assessment and Documentation: We responded quickly, given the urgency of the claim, and our loss assessor conducted a thorough assessment of the damage, documenting all affected areas and items with detailed photographs and descriptions.
• Insurance Negotiation: Leveraging extensive experience and knowledge of insurance policies, the loss assessor negotiated with the insurance company to ensure a fair and just settlement.

Actions Taken

• Detailed Property Inspection: Conducted immediately to assess the full extent of the damage.
• Inventory of Damaged Contents: A comprehensive list of all damaged items was compiled for the insurance claim.
• Liaison with Insurance Company: The loss assessor handled all communications with the insurance company, submitting the necessary documentation and advocating on behalf of Mr. O’Neill.
• Settlement Negotiation: Negotiated a settlement that accurately reflected the cost of repairs and replacements needed.

Quantifiable Results:

• Insurance settlement of £75,000, covering all repair and replacement costs.
• Property fully restored within four months of the incident.