Independent Public Loss Assessors
Independent Public Loss Assessors
CASTLE CLAIMS · REGULATED BY THE CENTRAL BANK OF IRELAND · C561519
Sudden household accidents, from drilling through a hidden pipe during DIY to dropping heavy cookware on a quartz countertop, can cause thousands of euros in unexpected damage. I review your policy terms, verify your optional cover, and negotiate a fair settlement on your behalf.
Accidental damage cover is an optional add-on on many Irish home and commercial insurance policies. It is designed to protect against sudden, unforeseen physical losses caused by unintended human error, such as putting a foot through an attic ceiling, dropping heavy objects on tiled floors, or spilling liquids on hardwood flooring.
Because accidental damage policies contain strict exclusions for wear and tear, gradual deterioration, or defective workmanship, claims can be challenged or turned down. My role is to examine the exact phrasing of your policy extension, inspect the physical evidence, and ensure the accident is clearly and accurately presented to your insurer.
I assist property owners in scoping and itemising sudden household accidents.
Accidental damage caused by drilling or driving nails into hidden water pipework or electrical wiring.
Smashed porcelain sinks, cracked baths, or severe impact damage to granite and quartz kitchen worktops.
Physical damage caused by falling through attic joists or dropping heavy equipment onto ceiling plasterboard.
Paint, chemical or liquid spills that permanently ruin luxury carpets, hardwood flooring, or fitted units.
Accidental breakage of double-glazed patio doors, skylights, and fixed glass installations.
I review your policy schedule to confirm whether accidental damage cover is active and identify any specific limits or excesses that apply.
I inspect the damaged area, gather visual evidence, and document that the loss was sudden and accidental rather than gradual.
I draft a fully itemised schedule of replacement and repair costs based on current trade prices.
I handle all discussions with the insurer's Loss Adjuster to negotiate the best settlement available under your policy conditions.
No. On most standard Irish home policies, accidental damage cover is an optional add-on for buildings or contents (or both). I can review your current policy schedule free of charge to confirm what cover you have in place.
Accidental damage extensions often exclude damage caused by ongoing building works or defective trade workmanship. In those situations, the claim may need to be pursued through the contractor's Public Liability Insurance rather than your home policy. I can review the circumstances to advise on the best approach.
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