Independent Public Loss Assessors
Independent Public Loss Assessors
CASTLE CLAIMS · REGULATED BY THE CENTRAL BANK OF IRELAND · C561519
A sudden water leak can cause far more damage than what appears on the surface. Water quickly migrates into subfloors, timber joists, insulation, and cavity walls, causing hidden rot, mould growth, and structural loss of level. We negotiate directly with your insurer’s loss adjuster to ensure the complete scope of drying, strip-out, and reinstatement work is recognised under your policy.
While pooling water on a kitchen or bathroom floor is obvious, the unseen effects below the surface are where the most expensive damage occurs. Water flows along subfloor channels, soaking into sand-and-cement screed, timber framework, and acoustic insulation beneath modern continuous flooring.
Removing damaged large-format tiles, parquet, or bonded flooring often causes unavoidable secondary damage to underlying substrates and surrounding areas. Without an independent survey, initial scope proposals can focus strictly on localised cosmetic patches or surface drying, missing saturated subfloors, compromised joinery, or discontinued materials.
Our comprehensive water damage assessment covers all direct and secondary losses.
Scoping the necessary exploratory work to expose hidden plumbing leaks behind tiling, under screed, or within walls so these costs can be presented as part of your claim.
Identifying saturated screed, floor joists and ceiling timbers so professional structural drying, anti-microbial treatments, or screed replacement are included in the scope.
Evaluating seamless floor layouts and integrated kitchens, utility units and sanitaryware where removal is necessary to access saturated substrates or where materials cannot be matched.
Itemising required industrial drying equipment, moisture monitoring, and necessary strip-out labour as part of the overall reinstatement requirements.
Presenting your full policy entitlement for temporary living arrangements and secondary costs if major drying or kitchen strip-outs render your home temporarily uninhabitable.
We review the emergency leak response, advise on immediate drying steps, and request interim funds where necessary.
We map moisture penetration across all affected rooms, subfloors, joinery, and underlying substrates.
We advocate on your behalf during all on-site technical inspections with the insurer's loss adjuster.
We compile a complete, fully itemised scope of loss covering building repairs, contents and drying to pursue the maximum entitlement available under your policy.
In many cases involving laminate, engineered wood, or tile on saturated screed, water trapped underneath causes permanent warping, delamination, or mould growth. We push for proper strip-outs rather than inadequate surface drying.
Yes. Standard home policies include alternative accommodation allowances up to policy limits if essential facilities like kitchens or bathrooms are unusable during major drying or repair work.
Free, no-obligation inspection across Laois, Kilkenny, Waterford, Kildare, Carlow, Offaly and Tipperary.
Castle Claims is regulated by the Central Bank of Ireland as an Insurance Intermediary under registration number C561519. · Ross, Cullohill, Co. Laois · 085 818 6980 · info@castleclaims.ie