2. Who are ADS?
• Independent Loss
Assessors
• We represent the
client
• Expert team of loss
assessors, engineers
and surveyors
• Over 20 years
experience in the field

3. Why choose a loss Assessor??
• Insurance Companies
employ expert Loss
Adjusters to advise
them
• Legal requirement
that Insurance
Companies must
advise client's of
entitlement to engage
their own loss
assessor

4. Fire
• Substantial damage
• Common causes:
– Chimney fire
– Electrical faults
– Appliance failure
– Candles
– Cigarettes
– Chip pans

5. Escape of Water
• Damage caused by
leaking water
• Common causes
– Burst pipes
– Hot press cylinders
– Overflow from attic
tank
– Taps left running

6. Burglary/Malicious Damage
• Damage and loss of
property
• Assessment of
– Damage caused
during break in
– Valuation of jewellery
– Valuation of personal
property
– Valuation of stock loss

7. Storms/Floods
• Damage can be
extensive
• Common claims include
– Missing or damaged roof
tiles
– Damage from fallen trees
– Leaks through a damaged
roof
– Flood damage which can
result in considerable
damage

8. Lightning
• Structural damage to
property
• Severe damage to
electrical appliances

9. Escape of Oil
• Oil can leak from the
tank or pipes
• Can cause significant
damage
• Early action is
essential to prevent
contamination
• May require specialist
clean up

10. Impact Damage
• Damage from impact
by
– Motor vehicles
– Animals
– Fallen trees etc.
• Damage can be
substantial

11. Subsidence
• Subsidence is caused
by ground movement
as a result of nearby
construction or burst
water mains
• Can result in serious
problems

12. Accidental Damage
• Almost all insurance
policies include
accidental damage
cover
• Examples
– Knocking over a TV
– Cracking bath surface
– Damage to wooden
flooring moving
furniture

13. Business Interruption
• A crucial aspect of
commercial insurance is
the provision of Business
Interruption cover
• Allows businesses to be
compensated for any loss
of profit when an incident
causes disruption
• We liaise with your
accountant, solicitor etc
to present your loss to the
Insurer

14. Process of a Claim
Step 1
On Site Meeting with
Client
Step 2
On Site Meeting with
Insurance Adjuster
Step 3
Submit Detailed Report
of Costings
Step 4
Liaise with Client to
settle the claim
Step 5
Finalise
Settlement

15. Other Services
• Project Management
• Litigation Reports
• Property Restoration
• Repair Supervision
• Marine Claims
• Motor Claims
• Specialist Valuation Report

16. The Facts that Count!
• The last 12 months :
– ADS settled over 650 claims
– Over 7 million euro paid out in settlements to
our clients
– Became the first claims management services
company to be regulated by the Central Bank
of Ireland

17. So if you have a claim....

18. don’t call

20. Call
Thank you for listening!