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. We review your policy terms, verify your optional cover, and negotiate directly with the loss adjuster to ensure your settlement covers the full cost of repair or replacement.
✓ Zero Upfront Costs — No Settlement, No Fee
Accidental damage is usually an optional add-on to home policies rather than standard cover. It protects against sudden, unforeseen incidents like putting a foot through an attic ceiling, dropping a heavy object on a kitchen island, or spilling paint on hardwood floors.
Because this cover has specific limits and conditions, the main job is verifying that your policy includes accidental damage and making sure the full cost of repair or replacement is properly itemised. We review your policy terms, inspect the damage, and submit a detailed scope directly to the loss adjuster so your claim is handled efficiently.
We 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.
We review your policy schedule to confirm whether accidental damage cover is active and identify any specific limits or excesses that apply.
We inspect the damaged area, gather visual evidence, and document that the loss was sudden and accidental rather than gradual.
We draft a fully itemised schedule of replacement and repair costs based on current trade prices.
We 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). We 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. We can review the circumstances to advise on the best approach.
Free, no-obligation inspection across Laois, Kilkenny, Waterford, Kildare, Carlow, Offaly and Tipperary.
Cullohill, Co. Laois · Serving Laois, Kilkenny, Waterford, Kildare, Carlow, Offaly & Tipperary · 085 818 6980 · info@castleclaims.ie