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SCSI have a new rebuild guide out. If a homeowner hasn’t revised their building sum insured since 2021 they are now 33% underinsured. For every €10 they claim their insurer will only pay out €6.66 That’s taking that they had an accurate sum insured in 2021…. I am a loss assessor and I am seeing...

Hi, Any suggestions as to a good alternative to PMI 44 16? Thanks

No surprise.They still have the same computer system they used in the 1990's

Same with me. I reduced the excess to €125 and fully protected bonus which actually makes it pretty good value. Business use also.

Not necessarily some insurers have contents in out buildings limited to €1000. An auto mower costs more than that let alone what else is in out buildings.

It's not aspirational.You stated that you would create a betterment issue which is incorrect.You cannot reinstate to a pre loss condition-Where are you going to get two year old paint? You cannot rebuild without complying to current building regulations and the fact that the OP would end up in a...

Thats not correct.The reinstatement costs will cover the cost of rebuilding in compliance with current building regulations. If triple glazed windows have to be fitted to comply with building regulations that is what will be fitted.

You need to look at scsi.ie rebuilding guide which will point you in the right direction. Your sum insured is inadequate and their guide will help to get a more accurate figure.

I would not recommend RSA. Very poor with claims. Avoid like the plague.

Will do thanks

Hi I entered into a new contract with eir Wicklow Town in October 2014 and got a new iPhone 6. In early October 2015 it stopped charging and I took it back to the store. After a week I got a call from them to say the phone was back. When I went into the store they advised that it was being...

My wife has been insured with them for the last 4 years. She had a claim which was dealt with quickly and fairly. Customer service can be a bit hit and miss but far superior to dealing with than AA who I am currently insures through. I will move my policy to a proper broker at renewal as I am...

I am dealing with a fire claim for a landlord who did not have contents cover. Between carpets curtains white goods and other furniture he is down €15000 I would highly recommend that you insure the contents.

Ravima, I am a loss assessor and handle property claims on behalf of the policy holder. I agree with most of what you have written If the repairs are carried out the insurers simply want proof in the form of photographs and invoices. The may inspect the property to confirm that repairs have been...

You could ask the contractor to pay for the Lino directly. Alternatively tell him to pay or you will go to a solicitor.

Advise both Insurers they will investigate and apportion liability.

The advantage of the infra red option is it is less intrusive. I know one very good company who do this and can recommend if needed

As a loss assessor I handle claims through both brokers and directly with the insurer. I would strongly recommend that you stay with a broker. In a number of cases the cover is more restrictive and higher excesses are applied on the direct product. If something goes wrong and you are direct with...

Hi I am a loss assessor and the payment should be based on the total paid by the insurer. When the assessor was appointed an appointment letter should have been signed and that should set out the terms.