Fingal Network Initiative

Latest News

29-Apr

Can I claim for my leaking roof?

The only way a leaking roof can be covered under your home insurance policy is, if its storm damage. The Irish met office classifies winds speeds in excess of 78km/hr as storms and the dates are recorded. Claims made within the first two weeks after a storm are generally accepted, after that Insurers may ask more questions. It is possible that damage occurs from a storm but if it doesn’t rain for several weeks after that,  people may not even know they have storm damage until the next rainfall and the insurance company may not accept the rainfall day as a storm date. In Property Claims Loss Assessors ltd we keep a record of all the storm dates and when we report the claim there’s less confusion.

      Examples of storm damage is broken tiles, slates or lifted flashing on pitched roofs. Flat roofs are more complicated. If its green mineral felt and if it’s over 10 years old, it’s more likely to be wear and tear as opposed to storm damage. If the flashing is lifted at the joint where the flat roof meets the pitched roof its more acceptable as storm damage.

 

If you have damage as a result of a storm, have it professionally assessed. In Property Claims Loss Assessors Ltd we are Engineers and Building Surveyors with over 20 years’ experience.  In addition to storm damage we also cover damage from fire, pipe leaks, storm, flood, subsidence, break-ins, etc. Our first survey is free and we are a ‘no win no fee’ company. Call us. 

ROI Land 01 5620082   Mob 087 6165435

NI Land 028 95212991 Mob 077 95374150

 Web www.pcla.ie   Email info@pcla.ie

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29-Apr

Wear and Tear

This is a common term used by insurance companies to decline a claim. As an example if you claimed for storm damage to a roof where parts of the roof are damaged and the survey by the insurance company reveals that the whole roof is in a bad state of repair, then they probably will decline the claim as there was natural ‘wear and tear’ to the roof anyway. The argument being that if the roof was properly maintained in the first place then the storm damage would never have occurred. Insurance operates to cover a sudden event and generally not an ongoing issue. It is however accepted by insurers that subsidence can occur gradually.

We had a case recently where we were asked to look at a claim that the insurance company had already declined because of ‘wear and tear and a gradually operating cause’. What had happened was the hold down bolts attaching the cistern to the toilet had rusted over time causing a gradual leak that over time caused dry rot. We studied the policy and noticed that ‘wear and tear’ was an exclusion under escape of oil but wasn’t an exclusion under escape of water peril. As its clearly water in a toilet cistern and not oil our argument prevailed and the claim was paid out.

If you have damage as a result of a leak, have it professionally assessed. In Property Claims Loss Assessors Ltd we are Engineers and Building Surveyors with over 20 years’ experience. Knowing where water can go and cause damage is part of our normal assessment.  In addition to water damage we also cover damage from fire, smoke, storm, flood, subsidence, break-ins, etc. Our first survey is free and we are a ‘no win no fee’ company. Call us. 

ROI Land 01 5620082   Mob 087 6165435

NI Land 028 95212991 Mob 077 95374150

Web www.pcla.ie   Email info@pcla.ie

 

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29-Apr

My neighbours builder caused damage to my home?

As the building industry in Ireland is getting busier, renovation of old terrace houses is becoming more frequent. A competent builder will engage a surveyor to do a pre-construction survey of the adjoining houses before construction starts. This will preclude any person with existing cracks claiming that they’re new as a result of the works. If the neighbours contractor causes damage to your property, there are a few avenues that the you can take.

  1. If your relationship is good with your neighbour you may able to claim off the neighbours insurance or the builder’s insurance. It will depend on the level of cooperation. Certainly if the works are repair works following a claim at the original house (e.g. mini piling to repair subsidence), it would be normal for the original insurance policy to pay for damage in neighbouring properties if the damage was unavoidable. In any event it would be worthwhile engaging your own surveyor. In PCLA we are Building Surveyors and we can assess the damage and negotiate to a good settlement on your behalf
  2. Not every policy has accidental damage, sometimes its included as an extra. You will need to check your policy schedule to see if its covered. If it is and your neighbour isn’t cooperating, we would advise that you claim on your own policy. PCLA can help you with this. We would put the insurance company on notice but we wouldn’t proceed till the works are finished unless it’s an emergency. We would carry out a complete survey and include all damage in the claim
  3. If your neighbour isn’t cooperating and you don’t have accidental damage on your policy, you can take a legal action against your neighbour who in turn will adjoin the builder to their defence.  You will still need a surveyor’s report and in PCLA we can provide same.

If you have damage as a result of a neighbours builder, have it professionally assessed. In Property Claims Loss Assessors Ltd we are Engineers and Building Surveyors.  In addition to accidental damage we also cover damage from fire, pipe leaks, storm, flood, subsidence, break-ins, etc. Our first survey is free and we are a ‘no win no fee’ company. Call us. 

ROI Land 01 5620082   Mob 087 6165435

NI Land 028 95212991 Mob 077 95374150

Web www.pcla.ie   Email info@pcla.ie

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11-Feb

Faulty Plumbing Fittings

Recently we have been asked to assess numerous claims involving newly installed plumbing systems. The problems were specific to a push on ¾’’ fittings with a rubber insert onto qual-pex piping on the hot water heating system. The inserts perish over time (2-3 years). The heating systems were failing joint by joint, as each fitting was replaced the next downstream one would go next like a domino effect.

   In all of the above situations the manufacturer has admitted liability and in addition to replacing the faulty fittings, we are also claiming for full trace and access, the cost of all repairs to ceilings floors walls etc and the cost of temporary electric heaters and increased electrical bills. If you have to take unpaid time off work to deal with these issues or there is other major inconvenience, we can add for these issues too. Finally, you can also claim for your assessors’ fees in full.

In both cases the manufacturers of the faulty fittings admitted liability and are dealing with the claims. What happens if manufacturers deny liability? Can you claim on your own home policy? Yes, you can but the process is less straight forward, call PCLA to discuss the options.

If you have damage as a result of a leaking pipes, have it professionally assessed. In Property Claims Loss Assessors Ltd we are Engineers and Building Surveyors with over 20 years’ experience. Knowing where water can go e.g. electrical boxes and conduits, behind skirting boards etc. and how to professionally dry everything is always a normal part of our assessment. In addition to water damage we also cover damage from fire, storm, flood, subsidence, break-ins, etc. Our first survey is free and we are a ‘no win no fee’ company. Call us. 

ROI Land 01 5620082   Mob 087 6165435

NI Land 028 95212991 Mob 077 95374150

Web www.pcla.ie   Email info@pcla.ie

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11-Feb

Duty Of Disclosure – When taking out an insurance policy

Potential policyholders (proposers) have a duty of disclosure when taking out an insurance policy.

‘It is an implied condition in all contracts of insurance that the proposer shall make a full and complete disclosure to the insurer of all material facts relating to the risk to be insured’.

Anything concealed is considered fraud and you cannot escape the consequences by claiming you did not know what was material. On a property policy some examples of material facts are:

  1. A thatched roof – this must be disclosed because it has a higher fire risk.
  2. A flat roof or percentage of same must be disclosed as it has a higher risk of leaking in stormy conditions
  3. Claims history – previous claims must be disclosed within a certain time period usually 5 years.
  4. Properties in areas of flooding or subsidence must be disclosed.

There are certain facts which a proposer need not disclose

  1. Facts already know by to insures.
  2. Facts which tend to lessen the risk etc.

Some years ago we were acting for a client who owned a commercial shop with apartments. There had been a break in 6 months previously and some toilets and bathroom fitting were maliciously damaged. Just as this claim settled there was a fire in the apartments and we were asked to assess the fire.

Insurers declined the fire claim for two reasons

  1. They claimed that they were unaware of the apartments being unoccupied.
  2. They were never advised about the shop changing use from a carpet shop to an African foodstuffs shop.

We wrote back and agued that’s these two facts didn’t need to be disclosed. As Insurers were aware of the malicious damage claim deeming the apartments uninhabitable, it should have been no surprise that the apartments were unoccupied. Even though the first claim had just settled there wasn’t enough time to carry out repairs and find new tenants. On the second fact that Carpets are a higher fire risk than African foodstuffs then the risk was lessened and didn’t need to be disclosed. Our argument was successful and the second fire claim was also paid.

If you have damage as a result of a fire, have it professionally assessed. In Property Claims Loss Assessors Ltd we are Engineers and Building Surveyors with over 20 years’ experience. Knowing where smoke can go e.g. electrical boxes and conduits, behind skirting boards etc. and how to professionally clean everything is always a normal part of our assessment. We always advise clients after a fire to never start repairs until all the smoke damage is cleaned and certified. In addition to fire damage we also cover damage from pipe leaks, storm, flood, subsidence, break-ins, etc. Our first survey is free and we are a ‘no win no fee’ company.

Call us:
ROI: Land 01 5620082 Mob 087 6165435
NI: Land 028 95212991 Mob 077 95374150
Web www.pcla.ie Email info@pcla.ie

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05-Oct

Do you want to grow Your Business

FNI are now actively seeking new members to help support local business:
Plumbers, Carpenters, Shop Owners, Business Owners, Trades people etc.
All are welcome!
Meetings are friendly, supportive, informal and held locally in Portmarnock Links Hotel
So why not take up the call and come see what we all can do together!
Email info@fni.ie or visit our website www.fni.ie for more details
Not only have all our members gained business but we have also raised
over €25,000 for local schools and charities!

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05-Oct

How to Prevent Water Pipes Freezing and Bursting

It’s that time of year again when the bookies start speculating about a cold winter. The last big freeze in Ireland was in December 2010. It thawed out on new year’s day 2011 and we were very busy with claims. The majority of problems was frozen pipes in the attic space. As we all know water will expand when it freezes, with enough strength to split or burst a pipe (see pic). The above can be prevented if precautions are taken before the cold snap:

  • Introduce heat into the attic space by means of a small heater
  • Insulate all the pipes and tanks in the attic space. Make sure there are no gaps. Tape all joints tightly (see pic below).
  • If leaving your house for holidays at least turn your mains water off. This can be done by a valve under the kitchen sink or at the stop cock on the pavement to the front of your house. It would be easier to engage a plumber do to do the above and to be safer you could ask the plumber to drain down the whole system (if there’s no water in the pipes then they won’t freeze
  • Insulate the roof of the attic space between the rafters. This is a bigger job but it is standard practice in east European countries

fni2

 

Most home insurance policies will have an unoccupancy clause (i.e. your house could be deemed unoccupied if left empty for more than 30 consecutive days as an example. CHECKyour policy they all differ on the length of time and water damage is EXCLUDED in unoccupied houses on all policies. Insurers can check this by looking at utility bills. The good news is that pipe repairs in a freeze situation like this is covered and also multiple leaks are treated as one claim because its seen as being one event.

If damage does occupy call the professionals – Property Claims Loss Assessors Ltd. Qualified Building surveyors and Engineers, we will ensure you get your full entitlement. Visit www.pcla.ie for all our details.

Neal Herr BE MIEI CIP

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05-Oct

Cheque Presentation – St. Helen’s Cabhair Centre for Autistic Children

Cheque Presentation to the pricipal of St. Helen's National School

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20-Apr

Annual Charity Golf Day 2017 – Sponsor A Team! View Details

20-Apr

Thank you to everyone who took part in the Annual Charity Golf Outing 2016 View Details

01-Mar

Our New Website

Fingal Network Initiative launch their new website. If you are looking for support within the Fingal area business community, please feel free to attend any of our meetings which take place on the first and third Thursday of every month in the Portmarnock Hotel at 7.45 a.m. Visitors can attend two meetings without any obligation or commitment on their behalf. We'd be delighted to welcome new members.

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01-Mar

F.N.I. Charity Donation

The FNI recently presented cheques totaling €9,000 to both The Alzheimers Society of Ireland and St. Helens Junior N.S. Cabhair Centre.

We would like to take this opportunity to sincerely thank all those who contributed to the success of our charity golf outing – our sponsors, participants and Malahide Golf Club.

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  • Michael Corrigan
    Michael Corrigan & Co.

    “Michael Corrigan & Co. has been the main suppliers of all hygiene products and floor maintenance equipment to Loreto College Swords since 1992. Michael’s company provides a prompt and friendly delivery service, often at very short notice. He also advises on all aspects of floor care within our college. We are proud to be associated with Michael and would highly recommend him as a supplier.”

    Peter Mc Namara, Principal, Loreto College Swords.

  • Peter Ryan
    Hub Media Web Design.

    “Marble & Granite Supplies Ltd. has been using Peter and Hub Media as our web designers/consultants for the past 10 years. We have found Peter and his team to be totally professional and a pleasure to deal with. I can highly recommend them to any company or organisation that is looking for an excellent web design company who listen, advise and can deliver on their promise.”

    Paul McDermott (Managing Director), Marble & Granite Supplies Ltd.

  • Gerry Sinnott
    International Retail Consultant.

    “Gerry is an extremely charismatic speaker with an immense amount of knowledge on Social Media, he has helped us so much with all of our social media platforms. If you need any help getting started on social media , I would highly recommend Gerry Sinnott.”

    Pat and Claire Nolan, Photohouse Photography.

  • Cathal Coates
    BRM Financial Services.

    “I have used BRM Financial Services for both commercial and personal financial services. At all times I have found their team to be highly expert and knowledgeable of the product offerings and services I required. Trust was instant, as they began to save me money from almost day one. They went the extra mile to make sure I got the exact service I required, with the minimum of fuss. They made it easy and their personable service is a pleasure to deal with. The big boys could learn a thing or two from BRM. I have absolutely no hesitation in highly recommending BRM for any commercial or personal financial services.”

    Paul C Dwyer, C.E.O., TeamInfoSec Ireland Ltd.

  • Kevin Grant
    Green Office.

    “We have been dealing with The Green Office since January 2008. We initially started with them because our original stationary supplier could not source a product for us. This was no problem for Kevin and the team, in fact he seems to relish on getting us what we want and for the best price and the quickest delivery time. In fact it's an in house Joke in our Company that as soon as you put through your order, Philip will be at the door with box in hand. We look forward to continued dealings with The Green Office and their wonderful, efficient, friendly team.” 

    Anne Hanlon, Accounts Manager, Label World Ltd.

  • Pat & Claire Nolan
    Photohouse Photography.

    “Dear Pat and Claire, Thank you so much for playing such a huge role in our wedding. We are so happy with the photos and we really appreciate all that Photohouse Photography did for us.”

    John and Trina, 8th June 2012, Wineport Lodge, Athlone.

  • Rob Connor
    Mandurah Landscapes.

    “Joining the Fingal Network Initiative has been the best decision that I have made since setting up my landscaping business. As someone who was relatively new to the world of self employment, I found the F.N.I. an invaluable resource. The group provided new opportunities for work, and more importantly a network of friendly people, with a huge range of skills and who were willing to help with advice and encouragement. I would not hesitate to recommend the F.N.I. to anyone who is looking to expand their business or increase their business exposure.”

    Robert Connor, Mandurah Landscapes.

  • Darren Finn
    Finprint.

    We use Finprint often for a variety of jobs – printing, design and mock-ups.

    They’re always able to meet our tight timelines and consistently provide great quality. The fact they are local is even better and their staff are always friendly and helpful!

    Joanne Kelly, FAB Health & Wellness.

  • Peter Mulvaney
    Property Claims Loss Assessors.

    I recently had a chimney fire which caused considerable structural and smoke damage to my home. I had no idea where to look for help, until a friend of mine told me about Property Claims Loss Assessors. When I first contacted them I was immediately put at ease by their level of understanding & professionalism. I found that I was able to claim for new carpets throughout my house, because of the level of smoke damage from the fire, something which I never thought previously that I would be able to claim for! They also organised for a chimney expert to do the work for me. I was put up in the local hotel while the work was being done, and all the costs were covered by my insurers. I could not be happier with the service provided!

    Kathleen from Derry, 2015.