Commercial Fire

A fire at your shop, office or business premises is, without a doubt, a very traumatic and upsetting experience. Not only can the fire cause structural damage but it can also damage your stock or equipment and even affect the jobs of your employees. All of this is only added to by the damage caused by smoke and water. If a fire is bad enough it may even force you to close while repair work is carried out contributing to a loss of earnings and income for you and your staff.

Most business owners underestimate the extent of the damage that has been done, and this is where an independent loss assessor can be useful. A professional loss assessor, like Devine Claims Consultants, will effectively assess the damage caused by fire, smoke, water and many other visible factors. We will be able to identify areas of damage that may be otherwise invisible, i.e. places where the fire never even reached but have suffered from melting, warping or smoke damage. Once we have fully assessed the damage caused and the associated costs, our team will negotiate with the insurance company on your behalf to get you the best available settlement.

If your commercial premises or business property has been damaged in a fire then contact Devine Claims Consultants before you make a claim

0876919803

Devine Claims Consultants – Commercial/Business Fire Claims

A fire at your business premises is an overwhelming and upsetting experience and there will be a lot of loose ends you will have to tie up. This is not helped by the insurance claims process without your own assessor as even a small fire can lead to major complications on your own. Handling this by yourself can be stressful and tiring, and in the end, many receive far less than they are entitled to.

Devine Claims Consultants have over 20 years experience dealing with commercial and business fire claims and works. Our expert and knowledgeable loss assessors will effectively determine the extent of the damage caused, even damage that may not be obvious at first. We have an in-depth knowledge of commercial fire insurance claims and will ensure that you receive the full settlement you are entitled to.

Frequently Asked Questions about Business Fire Claims

Why do FAQs matter?

FAQs are a great way to help site visitors find quick answers to common questions about your business and create a better navigation experience.
What is an FAQ section?

An FAQ section can be used to quickly answer common questions about your business like "Where do you ship to?", "What are your opening hours?", or "How can I book a service?".
Where can I add my FAQs?

FAQs can be added to any page on your site or to your Wix mobile app, giving access to members on the go.
How do I add a new question & answer?

To add a new FAQ follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Add a new question & answer 3. Assign your FAQ to a category 4. Save and publish. You can always come back and edit your FAQs.
How do I edit or remove the 'Frequently Asked Questions' title?

You can edit the title from the FAQ 'Settings' tab in the Editor. To remove the title from your mobile app go to the 'Site & App' tab in your Owner's app and customize.
Can I insert an image, video, or GIF in my FAQ?

Yes. To add media follow these steps: 1. Manage FAQs from your site dashboard or in the Editor 2. Create a new FAQ or edit an existing one 3. From the answer text box click on the video, image or GIF icon 4. Add media from your library and save.
Can I appoint my own loss assessor when filing an insurance claim?

Yes. You are entitled to choose your own loss assessor when filing a claim. Get in touch with our Roscommon & Dublin loss assessors to discuss whether our services would be a good fit for your requirements.
I need a loss assessor near me- where are you based?

Devine Claims Consultants is a Dublin & Roscommon loss assessor service offering professional loss assessment for domestic and commercial properties across Dublin, Roscommon, Sligo, Longford, Westmeath, and the surrounding areas.
How much do you charge? Remuneration Structure as per our Terms of Business

Our fee for the claim handling service we offer you is 10% (plus VAT @23%, the relevant professional rate) of the gross settlement figure, regardless of any underinsurance you may have. Having your property insured adequately is your responsibility. Refer to the rebuild calculator on the www.scsi.ie website for further insightful knowledge on the topic. We reserve the right to amend this fee should the complexity of the service result in an increase in the time spent in claim negotiation on your behalf. We confirm that any addition to the above percentage fee may be agreed with you in advance of any increased charge being applied. Our Loss Assessing services will cease to apply during further fee negotiation. Loss Assessing fees are payable directly to our firm 10 days from issue of the settlement cheque by the Insurance Company.
What type of damage do you assess?

We assess a wide range of domestic and commercial property damage including water damage, oil leak damage, house fire damage, intentional malicious damage, storm damage, and more.
What is a Loss Assessor?

A regulated loss assessor is a qualified professional intermediary registered with the Central Bank of Ireland. Our job is to assesses and quantify the damage that has occurred to a property, also known as the loss. We offer an expert loss assessment service for all kinds of property damage, whether that be from fire, smoke, storm, flood, oil spills and so on. A loss assessor should be called as soon as the loss occurs.
Where do you offer your services to?

If your home, business or farm property has suffered from damage or loss then call Devine Claims Consultants as soon as possible. We are available to undertake all of our work for you nationwide.
What happens when I make a claim?

Upon receipt of your insurance policy we will: Analyse and ascertain your potential loss after appraisal of the property damage. Compile and submit a thorough report of the claim to your insurance company. Liaise and negotiate with the insurance company's loss adjusters (the insurer's representative) to obtain the optimal settlement. Ensure the efficient issue of your settlement to your full satisfaction.
Can I handle my fire insurance claim myself?

Absolutely you can look after the fire insurance claim yourself without the assistance of a loss assessor. However, fire insurance claims are an extremely complicated procedure, and insurance companies will always take steps to maximise their bottom line. By hiring a professional loss assessor, like Devine Claims Consultant, you will have an experienced industry expert helping you navigate the process and fighting your corner for you.
My insurance company says that will only pay for repairs to my living room (where the fire happened) and not for damage anywhere else. Can they do this?

Your insurance company is obligated to pay to repair and restore your home to its pre-loss or pre-damaged conditioned. If the fire itself or the smoke has caused damage to other rooms then the insurance company is obligated to pay for those repairs too. As an experienced loss assessor we will ensue that you receive the full level of compensation that you are entitled to.
How can I find out if a kitchen fire has damaged other parts of my house?

If the fire was contained to the kitchen and put out before it spread to the rest of the house then it unlikely that there is immediate fire damage in other rooms. However, smoke and soot damage can spread much farther than the actual flames. At Devine Claims Consultants we will conduct a thorough inspection of your entire home to identify what areas of your home were damaged by soot and smoke.
Can I claim on my insurance for storm damage?

Yes, depending on your policy. Most insurance policies cover storm damage claims including lighting strike cover. Get in touch with Devine Claims Consultants today for more information about our storm damage assessors in Dublin, Roscommon, and surrounds.
How much does it cost to hire a loss assessor for storm damage?

This varies depending on the type of damage sustained and where you are based. Get in touch with the Devine Claims consultants team today for a free quote on our storm damage assessment services.
What counts as storm damage when it comes to insurance cover?

The definition of storm damage can vary depending on the type of cover you have. Usually, storm damage relates to any property or asset damage sustained due to lightning strikes, heavy rainfall, winds, or snowfall.
How long does is take to settle storm damage or flood damage claims?

This varies massively depending on the extent of the damage, your insurance company, how well the evidence is documented, etc. It can take anywhere from 48 hours to over a year for a claim to be settled. Devine Claim Consultants can assist with all elements of your insurance claim and do our best to move your claim along quickly ensuring you get the appropriate settlement.
How do I know if my roof has storm damage?

Generally, it is very easy to sport roof damage but sometimes damage can be subtle and hidden meaning the damage becomes more extensive overtime. Certain signs of damage you should look out for include missing slates or shingles, water spots on your ceiling and leaks. If you do notice any damage you should have Devine Claims Consultants assess the extent of the damage and make an insurance claim on your behalf.
Does my home insurance policy cover flooding?

The majority of home insurance policies will cover flood damage. However, if you live in an area that floods regularly then there is an increased chance that you may not be covered. Make sure you read your policy carefully and inform yourself of the different clauses in your policy. This will make the claim process much easier should you need to make a flood damage insurance claim.
Can I handle my water leak insurance claim myself?

Absolutely you can look after the water damage insurance claim yourself without the assistance of a loss assessor. However, water damage insurance claims are an extremely complicated procedure, and insurance companies will always take steps to minimise the amount of compensation they pay. By hiring a professional loss assessor, like Devine Claims Consultant, you will have an experienced industry expert fighting in your corner and working to maximise your compensation.
Are my contents covered for water damage or just the building?

This will depend on the type of home insurance policy you have. If you have buildings insurance then only the structure of your home is covered. If you have contents insurance then only your belongings are covered. If you have building and contents insurance then everything will be covered for water leaks and damage claims. The insurance company will have to pay to replace or repair anything that the water leak or burst pipe damaged.
Is a leak covered by my home insurance?

Most insurance policies will cover sudden or unexpected water damage caused by a leak, burst pipe or plumbing emergency. However, some do not cover damage that occurred gradually from a slow, long leak. Make sure you read your insurance policy carefully to see what kind of water damage you are covered for.
What are signs of subsidence in a home?

Tell-tale signs of subsidence include thick cracks in the walls, warped window and door frames, cracks close to windows and doors, and more. Get in touch with our team of loss assessors in Roscommon & Dublin for more information on the signs of subsidence in your home.
What are subsidence claims?

Subsidence Claims relate to issues with the structural integrity of your home that are caused due to the movement of ground under the structure of your home. This can result in sinking building foundations, cracks in the walls of your home, warped window & door frames, and more.
Can I claim for subsidence damage?

Yes. Many insurance policies cover you for subsidence damage. Get in touch with our team of Dublin & Roscommon loss assessors today for more information on how to go about claiming for subsidence damage.
Is an oil spill covered by my insurance?

It is important to check your insurance policy carefully as many have conditions relating to oil leaks and oil spills. While you may be covered for loss of fuel due to an oil leak, you may not be covered for and oil spill that has occurred as a result of lack of maintenance. Each insurance company will have its own set of conditions for cover.
Who is responsible for cleaning up an oil spill?

The person responsible for the clean-up of the oil is the same person that was responsible for the spill. They are also responsible for all environmental work that may need to take place. For example, if the oil spill was caused by a leak in your neighbour's fuel tank but caused damaged to your garden then your neighbour is responsible for the clean-up, and vice versa.
What damage can an oil leak cause?

An oil leak is a very serious issue and can cause a lot of damage. Much of this damage is unseen and affects the structure of the house and the health of the occupants. Skin contact with oil can cause acute irritation and inhaling the fumes over a long period of time can cause many different health problems. The escaped oil will pollute soil and underground water. Oil is also combustible so if not cleaned properly is a fire hazard.
Can insurance cover intentional damage to a home?

Yes. Many insurance policies cover malicious damage claims, from minor vandalism up to large-scale damage such as arson.
How much does it cost to hire an assessor for malicious damage?

The price of our malicious damage loss assessment services vary depending on the type of damage sustained and where you are located. Get in touch for a free quote today.
I need a loss assessor near me who deals with malicious damage- can you help?

Devine Claims Consultants offers Dublin & Roscommon loss assessment services for clients whose homes have been the victim of malicious damage.
I need a burglary loss assessor near me. What’s your catchment area?

Devine Claims Consultants is a Dublin & Roscommon burglary and theft loss assessor offering our services across Dublin, Roscommon, Westmeath, Longford, and the surrounding areas.
Who pays for a loss assessor?

The loss assessor fee is usually paid by the policyholder.
Should I use a loss assessor after experiencing a burglary?

Yes. By hiring the help of a loss assessor, you can accurately file an insurance claim for the compensation that you are owed, increasing the chance of a better settlement while also streamlining the process of filing an insurance claim.
Can I hire a loss assessor separate to my insurance company?

Yes, absolutely. A loss assessment service does not have to be related to your insurance company in any way.
What kind of motor claims do you assist with?

We offer assistance with all kinds of motor accident claims, with Longford, Westmeath, Roscommon, and Dublin loss assessors helping you to file a case and receive compensation where owed.
Can I hire a loss assessment service for a car accident insurance claim?

Yes, absolutely. A loss assessor can be hired to help you claim for a car accident and ensure you receive fair compensation.
How much does it hire to cost a commercial loss assessor?

The price of commercial loss assessment services vary depending on the type of service you require and the location you’re based in. Get in touch with our team for a free quote today.
Will insurance cover me for business interruption costs?

This all depends on your insurance policy, but most commercial insurance policies will cover you for costs incurred due to business interruption.
Where can I find a commercial loss assessor near me?

Devine Claims Consultants is a Roscommon loss assessor offering professional loss assessment services to clients across Dublin, Roscommon, Longford, Sligo, and the surrounding areas.
The fire was put out quickly but there is a lot of smoke damage. Am I still covered?

If the smoke from the fire has caused more damage than the actual fire itself you are still covered by your insurance policy. The smoke damage occurred as a result fo the fire and it does no matter how quickly the fire was put out. It is very easy for smoke to travel throughout the business property and cause damage in places where the fire didn't even reach. Any decent insurance policy will cover any loss as a result of smoke damage.
How hard is it to handle my business fire insurance claim myself?

A fire in your business is very difficult and upsetting. On top having to have the damage assessed and repaired, suppliers to notify, customers to contact, find alternative premises for the stock, etc., you also have to let your employees know that their employment may be paused for a while and let any other stakeholders know what has happened. The added stress and complication of an insurance claim is not ideal. When you enlist the help of a loss assessor it ensures that your case has dedicated management and we are solely focused on achieving a successful outcome. This allows you to focus on the other aspects of getting the business up and running again.
How can I get the maximum settlement for my fire insurance claim?

The easiest way for insurance companies to dismiss fire insurance claims is a lack of evidence. Make sure that you record all damage and loss occurred. Take photographs of the property before clean up begins and keep them in a safe place. Also, keep a detailed record of the exact items that were damaged and the cost of the items. If you are using a loss assessor then they will be able to use this evidence to strengthen and support your fire insurance claim to maximise your entitlement in line with your policy.
How do I claim on my insurance after a machinery fire?

After experiencing a commercial machinery fire, contact your insurance company and a loss assessor immediately. The loss assessor will assess the cost of damage sustained, which will then be covered by your insurance policy where relevant.
Is machinery covered in commercial insurance policies?

This all depends on the type of commercial insurance plan you have. Many commercial insurance policies will offer commercial machinery cover.
Should I hire a loss assessor for fire damage claims?

Yes. Hiring a loss assessor for commercial fire damage is a great way of ensuring that the policy you are paid from your insurance company is fair and justified as opposed to attempting to assess the damage costs alone.
How much does a value at risk survey cost?

The price of a value at risk survey varies depending on the type of survey you require. Get in touch with our team today for a free quote on our full range of Dublin, Sligo, Longford, and Roscommon VAR surveys.
What is a value at risk survey?

A value at risk survey is a detailed report that gives in-depth information on all aspects of your insurance policy, including everything regarding your building, assets, fixtures, fittings etc.
What is a VAR survey used for?

A value at risk survey is a survey drawn up by a professional can be used for generating the value of loss that could occur regarding a specific asset or assets in a business.
How does a loss assessor inspect business interruption costs?

Just like our other services, our Roscommon & Dublin loss assessors inspect business interruption insurance by visiting your premises, conducting an audit, and thoroughly inspecting all aspects of the business to calculate the value of the claim that you’re entitled to.
What does business interruption insurance cost?

Business interruption insurance covers costs incurred due to the unexpected closure, and loss of earnings, of a business. This could be due to a flood, fire, natural disaster, tragic accident, and otherwise.
How much does it cost to hire a loss assessor to calculate business interruption insurance claims?

This varies depending on the type of inspection you require. Get in touch for a loss assessment quote from our team today.
How much does a chimney inspection cost?

The cost of a chimney inspection varies depending on the type of inspection you require and where you’re based. Get in touch with our team today for a free quote on our full range of Dublin, Sligo, Longford & Roscommon chimney inspection services today.
What is a chimney inspection?

A Chimney inspection is a thorough look at the structure and functionality of a chimney to identify any faults or damage. This inspection uses high-tech cameras to look for issues such as cracks, soot build-up, scorching, flue damage, and more. Chimney inspections can identify faults before they cause major damage to property.
Where can I hire a chimney inspection near me?

Devine Claims Consultants provides Dublin, Sligo, Longford, and Roscommon chimney inspections, using cutting edge technology to thoroughly audit the safety and functionality of your chimney.
I need a loss accessor in Longford as soon as possible. How do I hire Devine Claims Consultants?

Please get in contact with our offices today. Our customer service team will talk you through the process of hiring Devine Claims Consultants.
What does a loss accessor do?

Once a loss accessor has access to your insurance policy they will: - Calculate your potential loss after appraising the property damage - Submit a thorough report to your insurance company - Negotiate with the insurance company on behalf of the customer - Ensure the customer is happy and satisfied with the agreed-upon settlement
I need a loss accessor in Westmeath. How do I hire Devine Claims?

Please get in contact with our offices today. We have helped hundreds of Westmeath residents get the most from their insurance claims.Our customer service team will talk you through the loss assessment process.
Do you offer commercial loss assignment in Westmeath?

Yes, our services are available to commercial clients in all types of industries.
Do Devine Claims Consultants negotiate with my insurance company?

Yes, we represent clients in negotiations with insurance companies, helping ensure our clients get the full amount they’re entitled to.
I need a loss accessor in Sligo. How do I hire Devine Claims Consultants?

Please get in contact with our claim consultant offices today. Our customer service team will talk you through the process of hiring our Loss accessors to oversee your insurance claim.
How do I hire Devine Claims Consultants for a Dublin loss assessment?

We make the hiring process as simple as possible. Get in contact with our offices and a member of our customer service team will talk you through the hiring process.
What kind of accidents require a loss assessment?

An incident that causes you to make an insurance claim will require a loss accessor. Some of the more common incidents that we assess here in Dublin include: - Fire Damage - Flood Damage - Burst Pipe Damage - Leaking Oil Damage - Third-Party Damage