Commercial Fire Damage Claims
Commercial Fire Damage Insurance Claim Ireland
A commercial fire is rarely just about what burned. Smoke, soot, firefighting water, compliance upgrades and lost income all form part of your entitlement. We make sure every part is identified, costed and claimed.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
Handling a Fire Claim
A fire at your premises is one of the most disruptive events a business can face
In the hours and days afterwards, the decisions you make, and what you say to the insurer, can shape the entire claim. Engaging a commercial loss assessor early protects your position and your entitlement, before figures, causes or scope are ever agreed.
Specialist help matters because a fire claim spans several sections of your policy at once. Each element has to be identified and costed correctly, or it simply gets left out of the settlement. The insurer appoints a loss adjuster to act for them; we act only for you.
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First Steps After a Fire
What to do in the hours and days after the fire
Acting carefully in the immediate aftermath protects both your safety and your claim. A few simple steps preserve the evidence and keep your options open until you have proper advice.
- Make the site safe and follow fire service and Garda guidance; do not re-enter until told it is safe
- Notify your insurer that an incident occurred, but avoid agreeing figures or scope before you have advice
- Keep everything leave damaged items in place and do not begin permanent repairs until the damage is documented
- Record the loss photograph everything and keep all receipts for any emergency works
How It Works
From first call to full settlement
We attend quickly, secure the evidence and manage your commercial fire claim through to settlement, so you can focus on getting back to trading.
We attend the site quickly, make sense of the scene and secure the evidence before anything is cleared or repaired.
We build a complete schedule of damage across every section of the policy, including the smoke, water and compliance costs others miss.
We present and negotiate the claim with the insurer’s loss adjuster, working toward the best possible settlement for you.
We see the claim through to settlement and make sure every recoverable element has been accounted for.
What We Cover
Every part of a commercial fire claim
A fire claim spans several policy sections at once. Each element below has to be identified and costed correctly, or it gets left out of the settlement entirely. We make sure nothing recoverable is missed.
- Structural & building damage including heat-stressed elements that are not obvious on the surface
- Stock, contents & equipment including goods affected by smoke and soot far from the seat of the fire
- Smoke & water damage including the hidden loss from soot travel and firefighting water and chemicals
- Fit-out & wider costs compliance upgrades, debris removal and business interruption, often the largest and most overlooked elements
Why Choose Us
Specialist fire claim expertise, entirely on your side
Led by Trevor Kelly MSCSI MRICS, a Registered Public Loss Assessor regulated by the Central Bank of Ireland, Reg. No: C423441. Your claim is in qualified, accountable hands.
Our sister company, Insurance Claim Solutions, has handled major commercial fire losses including the well-known Drift Games fire, with complex losses led by Senior Loss Assessor John Holland. 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.
Call Us Nowacross Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Related Reading
Other claims we manage
A fire often involves several types of loss at once. If your premises has suffered water ingress, or you need to recover lost trading income, our specialist guides explain how each claim is handled. To understand how a dedicated assessor protects your entitlement, read about what a commercial loss assessor does, how a business interruption insurance claim is quantified, and how we handle a commercial flood damage claim.
Client Feedback
Trusted by business owners across Ireland
A fire gutted our kitchen and the smoke ruined the whole dining room. We thought it was just the burnt area, but they found smoke and water damage we had no idea about, and got the lost trade covered too. The final settlement was far beyond what the insurer first suggested.
After a fire in our unit we were completely out of our depth. They dealt with the insurer’s adjuster from start to finish and pushed for an interim payment so we could keep paying staff. Having someone qualified entirely on our side made all the difference.
Common Questions
Your questions, answered
Make the site safe and follow the fire service and Garda guidance; do not re-enter until you are told it is safe. Notify your insurer that an incident has occurred, but avoid agreeing any figures, cause or scope before you have advice. Keep everything as it is, photograph the damage, and hold on to receipts for any emergency works. Then call us so we can attend quickly and protect your position.
You should report the fire, but you do not have to commit to figures, the cause, or the scope of the damage in those first conversations. Early statements and quick estimates can narrow your claim before its full extent is known. It is reasonable to tell the insurer you are appointing a loss assessor and will revert with a full assessment. We then handle the detailed discussions on your behalf.
Yes, and these hidden losses are often substantial. Soot travels well beyond the seat of the fire and contaminates stock, contents and surfaces in areas that never burned. Firefighting water and chemicals can soak into the structure, fittings and equipment. We document this concealed damage in full so it is identified and costed, rather than being missed once the obvious fire damage is repaired.
Reinstating fire-damaged premises often means bringing the building up to current fire safety, building and accessibility standards, which can cost more than a like-for-like repair. Many policies provide cover for these required upgrades, but they are easily overlooked. We review your policy, identify which reinstatement and compliance costs are recoverable, and make sure they are properly included in the claim.
The first assessment is free and there is no obligation. 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 you only pay once your claim is settled.
Yes. We manage the claim end to end, including all dealings with the insurer and their appointed loss adjuster, so you can focus on getting back to trading. How long it takes depends on the complexity of the loss; a straightforward claim moves faster than a major fire involving structural rebuilding and business interruption. We keep the claim moving and pursue interim payments where possible to ease the financial pressure while it is being settled.
Yes. We are often brought in after a claim has started or even after an offer has been made. We can review your policy, the scope of the damage and any figures on the table, and advise whether elements have been undervalued or left out. We cover Ireland nationwide and are based in Rush, Co. Dublin, so wherever your premises is, we can help.
Had a fire at your premises?
Speak to us before you agree anything
The first assessment is free and there is no obligation. We work on a no win, no fee basis and we act only for you, never the insurer. Central Bank of Ireland regulated.
