Construction
Construction & Contractor Insurance Claim Ireland
A collapse, a storm, a fire or third-party damage on site can halt your programme and your cash flow overnight. We prepare, document and negotiate construction and contractor claims so your business gets the full settlement it is owed.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
When work stops
What damage on site really costs a contractor
When a building under construction is damaged, the loss is rarely just the bricks and timber. A partial collapse, a fire in a half-finished unit or storm damage to a part-built roof can stop the whole programme. Sub-contractors stand idle, hired plant keeps clocking up charges, and the completion date slips while penalties and overheads keep running.
For a construction or contracting business, a damaged site is a cash-flow event as much as a physical one. Getting the claim right means recovering the reinstatement cost and the consequential losses that follow, not just the obvious physical damage your insurer is quickest to acknowledge.
- Reinstatement of damaged works in progress
- Programme delay and lost site time
- Plant & equipment damaged or written off
- Standing charges running while you wait
CAR Policy
Contractors All Risks (CAR) claims, prepared properly
Most construction projects are insured under a Contractors All Risks (CAR) policy, often arranged jointly between the employer, the main contractor and sub-contractors. CAR cover can be broad, but it is also where many claims get underpaid: works in progress, temporary works, materials on site and free-issue materials all need to be identified, valued and evidenced correctly.
We read the CAR policy in detail, work out exactly what is covered and who the insured parties are, then build the claim so that nothing recoverable is left on the table. Where storm has caused the damage, we make sure the weather event and its consequences are documented to the standard insurers expect. See our dedicated guidance on commercial storm damage claims if wind or flooding is the cause.
Call Us NowHow It Works
From first call to full settlement
We take the claim off your desk so you can keep the rest of the project moving.
We attend the site, assess the damage and review your CAR and liability cover, at no cost and no obligation.
We document the works, plant, materials and delay, then quantify the full reinstatement and consequential loss.
We deal directly with the insurer and their loss adjuster and press for interim payments to ease cash flow.
We hold the line until the full, fair settlement is agreed and paid, so you can complete the project.
Third-party & delay
Third-party damage, delay and standing charges
Construction claims often involve more than one party. Damage caused to a neighbouring property, an impact to an adjoining shopfront, or harm to the public can trigger your liability cover as well as the CAR section. We make sure each part of the loss is directed to the right cover and that responsibility is established clearly, without overstating or understating any element.
Delay is frequently the largest part of the loss. Where the policy responds to delay in start-up or extended construction periods, we quantify standing charges, prolonged preliminaries, hired plant left on site and the knock-on cost of a slipped programme, so the consequential loss is recovered alongside the physical damage.
- Third-party property & liability losses
- Standing charges & prolonged preliminaries
- Hired plant charged while idle
- Programme slippage & penalty exposure
Why CICS
How we manage construction claims
When a site is damaged, the insurer appoints a loss adjuster to act for them. Their job is to manage the insurer’s exposure. We act only for you, the policyholder, and our role is to present and prove the full extent of your loss. The contrast is structural: we work for different sides of the same claim.
Led by Trevor Kelly MSCSI MRICS, a chartered building surveyor and registered Public Loss Assessor, our team understands construction sequencing, valuation and the way CAR and business interruption cover interact. We handle the whole process end to end. This page sits alongside our wider commercial property insurance claim service and the work of our commercial loss assessors, all on a no win, no fee basis.
Call Us NowClient Feedback
Trusted by business owners across Ireland
A fire on a unit we were finishing could have wrecked us. They pulled the whole claim together, plant, delay and the building works, and dealt with the adjuster while we kept the rest of the site going. The settlement was far beyond what we thought we would get.
Storm took the part-built roof off a project and the insurer’s first response was painfully slow. CICS documented everything properly, secured an interim payment and kept it moving. Honest, professional and worth every cent.
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 and in writing before we start. There is nothing to pay up front, so a damaged project does not become a second bill.
Make the site safe and prevent further damage, then record everything with photos and video before anything is cleared or repaired. Notify your insurer that an incident has occurred, but avoid agreeing scope or figures with anyone. Call us early and we will guide the next steps so nothing prejudices the claim.
It varies with the complexity of the loss and how the insurer responds. A straightforward plant or damage claim can settle relatively quickly, while a major fire or collapse with delay and third-party elements takes longer. We keep the claim moving and pursue interim payments where possible so your cash flow is not left waiting on the final figure.
Yes. We manage the claim end to end, from the first notification through to settlement. We deal directly with your insurer and their loss adjuster, prepare and submit the documentation, and handle the negotiation, so you can stay focused on running the project.
We act for construction and contracting businesses across Ireland nationwide. We are based in Rush, Co. Dublin, and attend sites the length and breadth of the country.
Yes. We can step in at any stage, including after an offer has been made. We will review the loss, the policy and any figures already on the table to check whether your claim has been fully and fairly assessed before anything is accepted.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Damage stopping your site?
Get the full settlement you are owed
Talk to a chartered loss assessor about your construction or contractor claim. Free, no obligation, and no win, no fee.
