Editor’s Note: Storm Eleanor brought flooding to the West Coast in 2018. However, Ireland now faces increasing flood risks nationwide. We updated this guide for 2025. It provides homeowners with professional advice from leading Flood Insurance Assessors Ireland.
Originally Published: Jan 10, 2018 | Last Updated: December 31, 2025
Flooding is one of the most stressful experiences a property owner can face. Coastal flooding in Galway, rising rivers in Athlone, or flash floods in Dublin all cause havoc. The physical damage is only your first hurdle. The second—and often harder—hurdle is the insurance claims process.
Don’t Accept “Flood Claim Denied” as the Final Answer
After major weather events, insurance spokespeople often make broad claims. They may suggest that certain floods aren’t covered or that companies aren’t liable. Usually, this is just a generalization.
Every insurance policy is an individual contract. If the company denies your flood claim or offers a low settlement, do not stop there. It is not the final word. At Claims Assist – Loss Assessors, we provide a nationwide service. We review denied claims and provide an unbiased expert opinion.
How to Fight a Home Insurance Claim After a Flood
If you are currently dealing with a property damage claim, remember these three rules:
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Document Everything: Take high-quality photos of water levels and structural damage immediately.
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Understand the “Average Clause”: If your property is under-insured, the insurance company will reduce your payout by that same percentage. We can help you navigate this calculation.
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Get Your Own Expert: The insurance company sends a Loss Adjuster to protect their interests. You need a Loss Assessor to protect yours.
Claims Assist: Your Nationwide Flood Claim Specialists
We operate as a nationwide service provider, meaning our expert assessors are available to visit your property whether you are in Dublin, Cork, Galway, Mayo, or Limerick.
We manage the entire process—from the initial site survey to the final negotiation—on a ‘No Win – No Fee’ basis. We ensure that the jargon used by insurers doesn’t stand in the way of the settlement you are legally entitled to.
Suffered flood, storm, or water damage? Contact Claims Assist Nationwide today at 0818 929 555 for a free, professional consultation.
To verify that a Public Loss Assessor is regulated to operate in Ireland, you can check the Central Bank of Ireland’s Registers. Using a regulated firm ensures that you are protected under the Consumer Protection Code.