Like most things in life, the devil is in the detail, warns property insurance specialist, Niall Quinn, Director, Gullion Ltd Loss Assessors and Surveyors.  Niall said, “Keeping your property in a good state of repair is essential as claims can be turned down if they are not maintained, especially in relation to storm damage to roofs.  To protect yourself your roof should be inspected every few years and keep proof of this, should you ever need it.

“Insurance policies can be very complex and the onus is on the property owner to check that their insurance policy offers adequate protection. There are variations between providers but often accidental damage or storm damage is not offered within standard cover, so you may want to add this on.  Insurers can also have a specific definition of what constitutes a storm, for example wind speeds must be over a certain number of miles per hour – the devil really is in the detail.

“For insurance claims, call the experts at Gullion Ltd Loss Assessors and Surveyors on 028 3082 8838.  Regulated by the Central Bank of Ireland we provide a free survey and advice within 24 hours, detailed preparation and negotiation of your claim, regular updates, cost transparency and no win no fee.   Find us on Facebook and LinkedIn.”