Home Insurance Claims

Break-in

If you have suffered a break-in please call us as we may arrange for an inspection.

To assist you we need the following information:

• How entry was gained.
• The extent of damage to the buildings.
• Details of the items taken.
• The Garda/Police station you reported the break-in to.
• The Garda/Police reference number.
• When dealing with your claim you will be asked to provide documents (receipts, manuals, valuations etc) for any stolen items. It would be helpful to start gathering this information as soon as possible.

Damage to laptop/computer or television

If your laptop/computer or television has suffered damage, we will arrange to have the item collected by a courier then inspected by a specialist.

To assist you we will need the following information.

• When and where the damage occurred.
• The extent of the damage.
• The make and model number of the item.
• Please do not dispose of the item. If we cannot inspect the item we may not be able to deal with your claim.

Escape of oil

If your property has suffered damage due to an escape of oil please call us. We may arrange for a remediation survey to be carried out.

In the meantime, to prevent further damage, you can repair the leak or replace the tank. Please note your policy does not cover this cost.

If the leak is from the pipe connecting the tank and boiler you can stop the flow of oil by turning the valve which is generally located at the front of the tank. You can then contact a plumber to replace the damaged pipe for you.

If the leak is from the tank you may need to replace it.

Please keep the damaged tank or pipe for inspection.

Escape of water

If your property has suffered damage due to an escape of water, there are a few steps you can take before you contact us.

If necessary turn off the water at the mains.

Contact a plumber to identify the source and stop the leak. Please note (with the exception of damage due to freezing) your policy will not cover the cost of any plumbing repair.

Your policy provides cover to Trace & Access the leak. This allows you to remove and replace any part of the Premises necessary to repair the leak. The maximum amount we will allow is specific to your policy.

Ask your plumber to provide you with a written report confirming the source of the leak and the cost of Trace & Access.

You must not proceed with full repairs without our approval. We may, at our option, nominate a contractor to carry out the repairs

Fire

If your property has suffered damage due to a fire please call us as we may arrange for an inspection.

To assist you we need the following information:

• Where the fire started.
• How the fire started.
• Who discovered the fire.
• The extent of the damage to the building and contents.
• If the fire brigade attended.
• You can clean up as best you can. Please do not dispose of any damaged items.
• You must not proceed with full repairs without our approval. We may, at our option, nominate a contractor to carry out the repairs.

Glass

If you have suffered damage to a window or door you can use our nationwide glass replacement service called Glasscare.

Our glaziers will replace your damaged door or window and Allianz will pay the glazier directly.

You are responsible for payment of the policy excess to the repairer.

Please call us to organise a glazier who will contact you within 24 hours to carry out the repair.

In an emergency (outside of office hours) Glasscare can be contacted on 1890 253 056.

Loss (mobile phone, camera, jewellery etc)

To be covered for loss of an item you must have All Risks cover on your policy. Please check your policy schedule for this information.

To assist you we need the following information:

• When and where the loss occurred.
• The make and model number of the item. For jewellery we need a description of the item.
• The Garda/Police station you reported the loss to.
• The Garda/Police reference (Pulse) number.
• Do not purchase a replacement item. We can arrange to replace lost items. For jewellery claims a voucher/store credit will be issued to you.

Storm or flood

If your property has suffered storm or flood damage there are a few steps you can take before you contact us.

You must not proceed with full repairs without our approval. We may, at our option, nominate a contractor to carry out the repairs.

Storm Damage:

You can contact a contractor to inspect the roof and if necessary carry out emergency repairs only.

Flood Damage:

You can take steps to remove the flood water from your property. In the event of widespread flooding your local Council or fire brigade may be able to assist you.

You can clean up as best you can. Please do not dispose of any items as we may arrange for an inspection.

Photograph the damage to your property and contents.

Avoid touching any contaminated items, unless wearing suitable gloves.

Arrange for an electrician to check the electrics.

Unblock any external wall vents. Also check the floor void for flood water. This will need to be cleaned and disinfected.

Leave the heating on to help the property dry out. You can also hire dehumidifiers. When a dehumidifier is on, close your windows. A dehumidifier should be emptied on a regular basis.