Commercial Property Claims
Commercial Property Insurance Claim Ireland
Buildings, fit-out, contents and stock are each claimed differently. We prepare and present the whole claim so nothing is missed.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
What A Property Claim Involves
One policy, several different losses
A commercial property claim brings together several types of loss under one policy: the buildings and structure, landlord or tenant fit-out, contents and equipment, and stock. Each section has its own basis of settlement and its own pitfalls, which is why a single overall estimate rarely captures the full entitlement.
Handled well, the claim recovers the true cost of putting your premises and your business back to where they were. Handled poorly, it leaves significant sums unclaimed. The difference is in the preparation, and in knowing where insurers commonly seek to settle low.
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Where Claims Get Underpaid
The places insurers settle low
Most commercial property cover is written as part of a commercial combined policy, and the detail of the wording decides what you recover. Knowing where the settlement is commonly cut short is half the work.
- Underinsurance & the average clause: if sums insured fall short of the true value at risk, the payout can be cut in proportion.
- Reinstatement vs indemnity: insurers sometimes settle on a depreciated basis where rebuild-as-new cover should apply.
- Policy interpretation: what counts as buildings and what counts as contents is defined by the wording, and the split must be allocated correctly.
- Hidden & compliance costs: concealed damage, current building-regulation upgrades, fit-out and professional fees are easily missed.
How It Works
From first call to full settlement
A clear, managed process that keeps you informed and puts an experienced loss assessor on your side at every stage.
We inspect the damage in full, including concealed areas, and assess the cause and extent of loss across every section of the policy.
We interpret your wording, check sums insured against value at risk, and confirm the correct basis of settlement for each section.
We build a detailed, properly costed schedule with specialist input where needed, then lodge and document the full claim.
We negotiate directly with the insurer’s loss adjuster and work toward the best possible settlement of your claim.
What We Cover
Types of commercial property claim
Whatever the cause of loss, we prepare and present the full claim across every affected section of your policy. We regularly handle property claims arising from:
- Fire & smoke damage: fire, smoke and the water damage caused by fighting it. See our commercial fire damage claim service.
- Flood & escape of water: flooding, burst mains, rising water and leaks tracking through walls and floors. See our commercial flood damage claim service.
- Storm damage: wind, rain and flying-debris damage to roofs, cladding, signage and glazing.
- Impact, subsidence, burglary & theft: structural movement, vehicle impact, break-in damage and stolen stock or equipment.
Where damage forces you to close or trade at reduced capacity, you may also have a business interruption insurance claim running alongside the property claim. We handle both together.
Why Choose Us
Why business owners appoint us
The insurer appoints a loss adjuster to manage their exposure. As your commercial loss assessor, we act only for you, to present your entitlement in full.
- Regulated & qualified: led by Trevor Kelly MSCSI MRICS, a Registered Public Loss Assessor regulated by the Central Bank of Ireland, Reg. No: C423441.
- On your side, not the insurer’s: we act only for the policyholder, to present your full entitlement.
- No win, no fee: our fee is a percentage of the final settlement, agreed with you in advance on a case-by-case basis.
- Established since 2009: 7,500+ commercial and domestic claims settled across Ireland.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Client Feedback
Trusted by business owners across Ireland
A fire took out half our unit and the insurer’s first figure would not have rebuilt it. They found we were underinsured, sorted the buildings and fit-out properly, and the final settlement was a different story. We just kept trading.
Storm water wrecked our stock and fittings overnight. They handled the whole thing with the insurer so I could look after staff and customers. Everything was costed in detail and nothing was left off the claim.
Common Questions
Your questions, answered
We work on a no win, no fee basis. Our fee is a percentage of the final settlement, agreed with you in advance on a case-by-case basis. There is nothing to pay up front, and the initial assessment is free and without obligation.
Make the property safe and prevent further damage where you can, then take photos and keep any damaged items if it is safe to do so. Do not agree figures or scope with the insurer before the loss is fully assessed. Call us early so the claim is documented correctly from the start.
Underinsurance means your sums insured are lower than the true value at risk. Where an average clause applies, the insurer can reduce the payout in proportion to that shortfall, even on a partial loss. We check your sums insured against the real rebuild and replacement costs as part of the review, so this is identified and managed rather than discovered at settlement.
Each section of the policy has its own basis of settlement and its own wording, and what counts as buildings versus contents is defined by that wording. The split has to be allocated correctly so nothing falls between sections. We prepare a detailed schedule covering every affected section so the whole loss is presented in full.
Yes. We manage the claim end to end, from the first site visit and policy review through to lodging the claim, documenting it, and negotiating directly with the insurer’s loss adjuster. You stay informed at every stage while we handle the detail.
It varies with the size and complexity of the loss, so we cannot guarantee a timeframe. We keep the claim moving, present it properly the first time to avoid delays, and pursue interim payments where possible so you are not left waiting on the full settlement to keep trading.
Yes. We can review a claim that is already under way or an offer that is already on the table to check whether it reflects your full entitlement. The review is free and without obligation, so it costs nothing to find out where you stand.
We are based in Rush, Co. Dublin and act for business owners across Ireland nationwide. Wherever your premises are, we can arrange a site visit and manage the claim.
Is your property claim being settled in full?
Let us review it, free of charge
If you are not sure your sums insured are right, or what your policy really covers, we will review it with you. Free, no obligation. No win, no fee.
