Landlords
Landlord Commercial Property Insurance Claim Ireland
When your investment property is damaged, you face lost rent, tenant disputes and reinstatement duties under the lease, all at once. We prepare and present the whole claim so your building, your income and your obligations are all covered.
CBI Regulated · No Win, No Fee · Trevor Kelly MSCSI MRICS
The Landlord’s Position
Damage to a let property hits on several fronts
As a commercial landlord, damage to your premises is rarely a single problem. The building itself needs reinstating, the rent may stop or fall, and your lease will set out what you must put right and within what time. A standard claim that only looks at bricks and mortar leaves most of your real exposure unaddressed.
We treat a landlord claim as what it is: a property loss, an income loss and a contractual obligation, all running together. As your commercial loss assessor, we make sure every one of those strands is recognised, costed and claimed.
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Common Landlord Claims
The losses we see most often
Most landlord cover sits within a commercial property or commercial combined policy, and the wording decides what you recover. These are the elements that are most often underpaid or missed entirely on a let property.
- Buildings & structure: fire, flood, storm and escape of water damage to the fabric you insure as landlord.
- Loss of rent: rental income you cannot collect while the unit is unusable, within the policy’s indemnity period.
- Compliance & professional fees: building-regulation upgrades, architect, surveyor and engineering fees on reinstatement.
- Common areas & services: shared roofs, car parks, lifts, stairwells and services in a block or parade.
How It Works
From first call to full settlement
A clear, managed process that keeps you informed and puts an experienced loss assessor on the landlord’s side at every stage.
We inspect the damage in full, including concealed areas and shared structure, and assess the loss across building, rent and obligations.
We interpret your policy wording alongside the lease terms so reinstatement duties and loss of rent are claimed on the correct basis.
We build a fully costed schedule for the structure, professional fees and lost rent, then lodge and document the whole claim.
We negotiate directly with the insurer’s loss adjuster and work toward the best possible settlement of your claim.
Rent, Tenants & The Lease
Loss of rent, tenant disputes and your duties
The complications that catch landlords out are rarely about the brickwork. They sit in the income you lose, the questions about who is responsible for what, and the timescales your lease imposes for putting the property back.
- Loss of rent claims: we calculate the rent properly over the indemnity period, including periods of partial occupation and any rent suspension under the lease.
- Tenant liability disputes: we help establish what falls to the landlord’s policy, what falls to the tenant, and what falls to a third party who caused the damage.
- Reinstatement obligations: we tie the claim to the standard and timescale of repair your lease requires, so the settlement actually meets your contractual duty.
- Tenant’s business interruption: where your tenant trades from the unit, a business interruption insurance claim may run alongside, and the two need to be kept aligned.
Blocks & How We Manage It
Multi-unit and block claims, managed for you
Where you let a parade, a block or a mixed-use property, one event can affect several tenancies, shared structure and common services at once. These claims need careful allocation between units and a single clear point of contact, which is exactly how we run them.
We coordinate the whole loss across the property, deal with the insurer end to end, and present the building, professional fees and rent as one properly evidenced commercial property insurance claim, so you can stay focused on your tenants rather than the paperwork.
- Regulated & qualified: led by Trevor Kelly MSCSI MRICS, a Registered Public Loss Assessor regulated by the Central Bank of Ireland, Reg. No: C423441.
- On the landlord’s side: the insurer appoints a loss adjuster to manage their exposure; we act only for you.
- No win, no fee: our fee is a percentage of the final settlement, agreed with you in advance on a case-by-case basis.
across Ireland since 2009
Central Bank of Ireland regulated. RICS/SCSI accredited. No win, no fee.
Client Feedback
Trusted by property owners across Ireland
A fire closed one of my let units and the insurer’s first figure ignored the rent I was losing. They sorted the building, the professional fees and the lost rent together, and dealt with the whole thing so I did not have to.
Water damage hit a parade I own and three tenancies were affected at once. They allocated everything correctly, kept my tenants informed, and the settlement actually covered what my leases require me to reinstate.
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 note the date the unit became unusable for your rent calculation. Tell your tenant and keep records of any rent affected. Do not agree figures or scope with the insurer before the loss is fully assessed, and call us early so the claim is documented correctly from the start.
In most cases yes, where your policy includes loss of rent cover. We calculate the rent over the policy’s indemnity period, allow for any rent suspension clause in the lease, and present it alongside the buildings claim so the income loss is properly evidenced rather than overlooked.
It depends on the cause of loss and the terms of your lease and policy. We help establish what falls to the landlord’s policy, what may fall to the tenant, and what may be recoverable from a third party who caused the damage, so the right route is pursued. This is claim handling, not legal advice, and we will flag where you should take your own legal advice.
Yes. We manage the claim end to end, from the first site visit and policy and lease review through to lodging the claim, documenting it, and negotiating directly with the insurer’s loss adjuster. On a multi-unit or block claim we act as the single point of contact, so you are not coordinating it yourself.
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 the reinstatement and lost rent are not held up by the full settlement.
Yes. We can review a claim that is already under way or an offer already on the table to check whether it reflects your full entitlement, including loss of rent and professional fees. 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 commercial landlords across Ireland nationwide. Wherever your property is, we can arrange a site visit and manage the claim.
Is your landlord claim covering rent as well as repairs?
Let us review it, free of charge
If you are not sure your settlement covers lost rent, professional fees and your lease obligations, we will review it with you. Free, no obligation. No win, no fee.
