Making a household claim
“What do I do if my property is lost or damaged?”
Naturally we hope you won’t have any accidents or misfortune, but if you do, the following advice might be useful:
Take any emergency action which may be necessary to protect your property from further damage e.g. switch off the gas, electricity and water. If you have to arrange for a contractor to carry out emergency work, please keep the repair account which we will need to see.
Telephone us immediately for advice on policy cover and how to proceed with your claim. We would be pleased to hear from you.
Check your policy wording carefully, to see if the loss or damage is covered. Your policy lists the events (e.g. storm or stealing) which are covered and not covered and also any general exclusions or conditions which apply to your whole Policy. Remember that your policy is not a maintenance contract and does not cover any loss or damage caused by normal wear and tear – no Insurance Policy does. Remember too that the amount you are entitled to claim may be reduced if your property has not been properly maintained.
“Is there anything else I should do?”
Please do not dispose of damaged items before we have had the opportunity to inspect them. Report any incident involving loss, stealing, malicious damage or hit and run damage to the Gardai.
If someone is making a claim against you or any of your household for any injury to them or damage to their property, you must send us full details, in writing, immediately. Any letters or legal documents you receive should be sent to us, unanswered, without delay. It is most important that you leave us to deal with the matter on your behalf and do not get involved in any correspondence or conversation with the other person.
|