Water Damage Insurance Claims

Expert Assistance for Your Property Damage

Water leaks can cause significant damage to your property, both visible and hidden. At Property Damage Loss Assessors, we specialize in handling water damage insurance claims, ensuring you receive the maximum compensation allowed by your policy.

With our experienced team on your side, you won’t have to deal with the frustration and stress of negotiating with your insurance company.


We manage the entire claims process for you, allowing you to focus on getting back to normal with minimal disruption.

Our goal is to help you recover fully and efficiently, with as little interference as possible. If you need guidance or have questions, we’re happy to offer a no-obligation consultation to discuss how we can assist you.


How We Can Help with Your Water Damage Insurance Claim


Dealing with a water damage insurance claim can be time-consuming and stressful—but you don’t have to do it alone. At Property Damage Loss Assessors, we take the hassle off your hands, managing the entire claims process so you can focus on what truly matters.

With our expert team by your side, you won’t have to waste hours navigating insurance call centers, filling out complex forms, or negotiating with insurers. We handle everything on your behalf, keeping you informed every step of the way.


Many homeowners avoid making a claim due to the stress involved, but we ensure a smooth, efficient process. Acting in your best interest, we negotiate directly with your insurance company and their representatives to secure the maximum settlement allowed under your policy.

Our priority is to get your claim resolved without unnecessary delays, so you can restore your home to its original condition as quickly as possible.


Let us take care of the hard work—so you don’t have to.

How It Works with PDLA


1. Contact Property Damage Loss Assessors 

Free consultation with one of our loss assessors, where we will give advice on the first steps to take.

2. Instruct Property Damage Loss Assessors

Instruct Property Damage Loss Assessors

3. We will contact your insurers and/or representatives 

Arrange for one of our loss assessors to attend a site meeting with them as soon as possible. Note, this may be a virtual visit due to current COVID-19 19 restrictions.

4. We will make a thorough assessment 

Your losses and damage incurred and advise you regarding your policy cover. 

5. We do the hard work so you don't have to

We will deal with all relevant paperwork, correspondence and telephone calls on your behalf to process your claim effectively

6. Property Damage Loss Assessors 

Negotiate settlement of your claim on your behalf to maximize your claim payment. This step typically takes one to two weeks. After the claim is settled, it typically takes two weeks to receive settlement payment.


Navigating Storm Damage Claims on Your Irish Property

Insurance Policy Essentials: What Irish Homeowners Often Overlook Before Filing a Claim

By Alastair roe • December 4, 2025
Most Irish homeowners only read their insurance policy when something goes wrong. Unfortunately, this usually means they discover key exclusions and conditions at the worst possible moment. Understanding the details of your home insurance policy in advance can prevent disputes and ensure that you know what to expect when filing a claim. Commonly Misunderstood Policy Terms 1. Gradual Damage Exclusions Irish home insurance policies rarely cover issues that develop slowly over time. This includes long-term roof leaks, slow plumbing leaks, dampness, mould, and rot. Insurers frequently reject these claims because they consider them maintenance issues rather than sudden events. 2. Maintenance Requirements Most policies require homeowners to keep the property in good condition. If damage is linked to neglect, insurers may reduce or decline the claim. Examples include worn flashing, loose tiles, deteriorated pipes, or blocked gutters. 3. Confusion About Trace and Access Many homeowners assume their insurer will pay to locate the source of a leak. Some policies include this benefit, but others offer limited cover or none at all. Understanding whether trace and access is included is important, as identifying the source of a leak can be more expensive than repairing it. Why Claims Get Declined  1. Insufficient evidence Lack of photos, videos, or proof of sudden damage can lead to disputes with insurers. 2. Repairs performed too early Fixing damage before reporting the claim removes crucial evidence and can weaken your case. 3. Misinterpreting what the policy covers For example, roof damage is not automatically considered storm damage. Insurers often require proof of strong winds in the area and evidence that the damage occurred during the storm. How to Prepare Before Filing a Claim 1. Review your policy regularly A yearly review can help you stay informed about your coverage and any changes the insurer may have made. 2. Know the difference between sudden damage and gradual deterioration Sudden damage is typically covered, while gradual deterioration is generally excluded. 3. Keep maintenance records Photos, invoices, and receipts can protect you if the insurer questions the condition of the property before the incident. 4. Document damage immediately High-quality evidence is essential when dealing with insurance companies. Understanding your policy before you file a claim can save time, stress, and unnecessary costs. When you know what is covered and what is excluded, you are better prepared to take action after an incident. If you want help interpreting your policy or handling a claim, Property Damage Loss Assessors can provide professional support from start to finish. Call James today to discuss the damage to your property and get expert guidance for your situation.

Storm and Wind Damage in Ireland: Common Issues and How Homeowners Should Handle Them

By Alastair roe • December 4, 2025
Storms and high winds are becoming increasingly common across Ireland, especially during the winter months. These events often lead to property damage that ranges from minor roof issues to major structural problems. Understanding how storm damage occurs and how to respond correctly is essential for any homeowner. Making the right decisions early on can prevent unnecessary repair costs and improve the outcome of an insurance claim. Common Types of Storm Damage in Ireland 1. Roof Damage The roof is one of the most vulnerable parts of a home during strong winds. Tiles can become loose or fall off entirely, leaving gaps that allow rainwater to enter the property. Even a single missing tile can cause significant internal water damage. 2. Damage from Falling Trees or Branches During storms, heavy branches or entire trees can fall onto roofs, sheds, cars, or fences. Even if the tree comes from a neighbour’s garden, the affected homeowner typically files the claim. 3. Chimney and Masonry Problems High winds often affect older brickwork. Chimney pots, flues, and masonry can shift or crack, which may lead to structural concerns or water ingress. 4. Water Penetration from Wind-Driven Rain Strong winds push rainwater into places where it would not normally reach, such as under flashings, through vents, or into roof edges. This can cause stained ceilings, damp walls, mould growth, and damaged plaster. What To Do After a Storm 1. Assess the damage safely The first priority is safety. Avoid climbing onto the roof. Instead, inspect the property from the ground or use a phone camera with zoom. 2. Document the condition of the property Take detailed photos and videos of missing tiles, broken gutters, fallen branches, cracks, and interior water damage. High-quality documentation helps strengthen an insurance claim. 3. Make temporary protective measures Cover open areas with tarps or strong plastic sheets to prevent more rain from entering the home. Insurers expect you to limit additional damage, but they also expect you to avoid permanent repairs until the inspection is completed. 4. Notify the insurer quickly Reporting storm damage promptly is important. Delays can lead insurers to argue that the damage might be due to poor maintenance instead of the storm.  Frequent Causes of Claim Reductions Insurers sometimes reduce or decline storm-related claims for reasons such as poor maintenance, insufficient evidence, or pre-existing damage. For example, if gutters were already blocked or roof tiles were already loose, insurers may argue that the damage was not caused solely by the storm. Storm and wind damage may be unavoidable, but losing out on a valid insurance claim does not have to be. Proper documentation, prompt reporting, and expert support can help you secure a fair outcome. If you need assistance with a storm damage claim or want a professional assessment, Property Damage Loss Assessors can help you navigate the process. Call James today to discuss your storm damage and get reliable guidance for your claim.

How to Choose the Right Moment to Report Property Damage Before Cleaning or Repairing

By Alastair roe • December 4, 2025
When property damage occurs, most homeowners instinctively begin cleaning up the mess or repairing what has been broken. This reaction is completely understandable, especially when the situation feels stressful or overwhelming. However, starting repairs or removing damaged items too soon can seriously weaken an insurance claim. Timing plays a crucial role, and understanding what to do in the first 24 hours can make a major difference in the outcome of a claim. Insurance companies rely heavily on clear visual evidence to assess a claim. Loss adjusters need to understand exactly what happened, how severe the damage is, and whether the policy covers the issue. If the property has already been cleaned or fixed by the time the claim is reported, insurers may question the extent or even the cause of the damage. This is why the first step after any incident should always be to document the situation before any repairs take place. Why Timing Matters The moment you discover damage, the clock essentially starts ticking. Insurers often require evidence that shows the original condition of the property. If you remove flooring, throw out damaged furniture, repair a pipe, or clean up water before taking proper photos and videos, valuable evidence disappears. For example, if a pipe bursts and causes water damage, cleaning up the water and repairing the pipe before reporting the issue can lead insurers to question how serious the incident really was. The same is true for roof leaks, storm damage, structural issues, oil leaks, and electrical faults. Irish insurers are known for carefully evaluating whether damage was sudden or whether it could have been gradual. Without proper evidence, it becomes harder to prove your case. What To Do in the First 24 Hours 1. Document thoroughly Take photos and videos of everything. Include wide shots of the affected area, close-ups of specific damage, and footage showing the cause of the issue. Make sure the lighting is good and that you capture multiple angles. 2. Prevent further damage Insurers expect you to take reasonable steps to stop the situation from getting worse. Examples include turning off the mains water supply, isolating electricity in a flooded area, or placing a temporary cover over a broken window. These actions help, as long as you do not make permanent repairs. 3. Avoid removing damaged items Do not throw away wet carpets, broken tiles, burnt items, or damaged appliances. Even if they appear ruined, they serve as evidence. 4. Report the claim early Most policies in Ireland require homeowners to notify the insurer within a reasonable timeframe. Reporting within one or two days is ideal, and it reduces the risk of disputes. Common Mistakes to Avoid  Homeowners frequently make the mistake of trying to tidy up before taking photos. Another common issue is assuming insurers will take their word for the extent of the damage. Insurers rely on evidence, not verbal descriptions, so documentation is essential. The best way to protect the success of an insurance claim is to act quickly, document everything, and avoid repairs until the necessary evidence has been captured. Cleaning and rebuilding can always take place later. If you want expert help with documenting your loss or dealing with your insurer, Property Damage Loss Assessors can guide you through the full process. Call James today to discuss the damage to your property and get professional advice before moving forward.