Claims 365 Property Loss Assessors

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Claims 365 Property Loss Assessors

We act for you directly with your insurance company to negotiate the best settlement.

We cover Northern Ireland and Donegal & Northwest
We are regulated by the Central Bank of Ireland and the FCA (UK)
Contact Michael on 07787 794533 or 087 6551124

31/08/2026

Here is something many people only learn halfway through a claim. The loss adjuster who comes to inspect the damage is not there to get you the best outcome. They are appointed by the insurer, and their role is to apply the policy and protect the insurer.

A loss assessor is the other side of that coin. We work for you, not the insurer. We make sure the damage is fully recorded and we can push back if the scope looks too narrow or the offer seems low against the real cost of repairs.

Our guide explains who does what, so you know exactly who is on your side.

Claims 365 is regulated and authorised by the Central Bank of Ireland and by the Financial Conduct Authority. We are a member of the Chartered Institute of Loss Adjusters.

Have a question about a claim in Donegal or Derry, give us a call. Donegal 087 655 1124 or Derry 07787 794533.

Read the guide 👉 https://claims365.ie/insurance-loss-assessor-vs-loss-adjuster-who-is-on-your-side/

24/08/2026

🏠 Is your home insurance keeping up with your home?

Homes across Ireland and Northern Ireland are changing.

Solar PV systems, battery storage, EV chargers, heat pumps and garden rooms are no longer unusual additions. They are increasingly becoming integrated parts of our homes.

And that creates an important insurance question:

Has your insurance cover kept pace with the changes you've made to your property?

Modern homes can now include:

• Solar PV panels, inverters and associated equipment
• Lithium-ion home battery storage
• EV charging points
• Air-source and ground-source heat pumps
• Garden rooms, home offices and modular pods
• Attic conversions and extensions
• MVHR and other ventilation systems
• Smart-home, security and automation systems
• Electric gates and access systems
• High-value sheds, workshops and other permanent structures

These additions don't necessarily operate in isolation.

Solar PV, batteries, EV chargers and heat pumps can interact with the property's electrical installation, structure and other services. If something goes wrong, the resulting damage may extend well beyond the original component.

There is another consideration too: reinstatement cost.

If you have spent €20,000, €30,000 or considerably more upgrading your property, when did you last review your buildings sum insured?

A home that has had solar PV, battery storage, an EV charger, a heat pump, an attic conversion and a substantial garden room added over several years may be a very different property from the one originally insured.

After making significant improvements, homeowners should consider:

✓ Does my policy adequately cover the new addition or system?
✓ Does my insurer need to be told about the alteration?
✓ Has it increased the overall reinstatement cost of my property?
✓ Are there specific policy limits, conditions or exclusions I should know about?
✓ Have I retained invoices, specifications and certification for the installation?

As buildings become more technically complex, insurance cover and reinstatement values need to evolve with them.

Your home may have changed considerably. Has your insurance changed with it?

Claims 365
Independent Loss Assessors
Derry & Donegal

23/07/2026

When a fire hits a business premises, the pressure to clear up and get trading again is enormous. That instinct is understandable, but clearing damaged stock or agreeing emergency works before anything is recorded can quietly weaken a claim.

We have put together a guide for business owners across Donegal and Derry covering what to do first, what your policy may cover and what to hold off on until your position is properly documented.

Claims 365 is regulated and authorised by the Central Bank of Ireland and by the Financial Conduct Authority. We are a member of the Chartered Institute of Loss Adjusters.

If you are dealing with a commercial fire claim, we are happy to talk it through. Donegal 087 655 1124 or Derry 07787 794533.

Read the full guide 👉 https://claims365.ie/commercial-fire-damage-claim-donegal-derry/

29/06/2026

Has the value of your jewellery increased? Your insurance may no longer fully cover it.

With the price of gold reaching record highs in recent years, many gold rings, necklaces, bracelets, luxury watches and other valuables are now worth significantly more than when they were first insured.

The problem? Many home insurance policies have a single item limit, often between £1,500 and £2,000. If an item is now worth more than that and hasn't been specified on your policy, you could receive far less than its true value if you ever need to make a claim.

Here are a few simple steps to protect yourself:

• Have valuable jewellery and watches professionally revalued every few years.

• Keep purchase receipts and valuation certificates.

• Take clear photographs of your valuables.

• Store copies of your records securely, preferably backed up
digitally.

• Check your policy's single item limits and whether valuables need to be listed separately.

• If required by your insurer, keep high-value items in an approved safe.

It's not just jewellery that may have increased in value. Rising replacement costs have also affected electronics, furniture, antiques, artwork and other high-value household items.

Taking a few minutes to review your insurance now could save you thousands if you ever need to make a claim.

At Claims 365, we regularly help homeowners discover that their belongings are underinsured only after a loss has occurred. We would much rather help you identify any gaps before you ever need to make a claim.

If you're unsure whether your valuables are adequately insured, get in touch with Claims 365. We're happy to point you in the right direction and help ensure you have the protection you need.

📞 Contact Claims 365 today for independent insurance advice before you need it.

12/06/2026

🏠🏢If your home or business has been hit by a leak, flood, fire or storm, the claims process can feel confusing and overwhelming.
We have put together a complete guide to insurance claims in Donegal and Derry that covers exactly what to do, what your policy likely includes and how an independent loss assessor helps you get a fair outcome.📝
Worth a read before you ever need it. And very useful if you are dealing with a claim right now.
Full guide here👉 https://claims365.ie/insurance-claims-guide-donegal-derry/

28/05/2026

🏠💧A small leak can turn into a much bigger property problem if it is missed.🔍
Damp patches, rising water usage, musty smells or repeated staining after rain can all point to something hidden behind walls, floors or ceilings.
This Claims 365 guide explains practical leak detection steps for homes, landlords and businesses in Donegal and Derry before damage becomes harder to manage.
Read more 👉https://claims365.ie/leak-detection-guide-donegal-derry/
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22/05/2026

**The dangers of charging you're mobile phone over night.**

A growing number of house fires across Ireland and the UK are being linked to lithium-ion batteries found in everyday devices such as mobile phones, tablets, e-bikes and power tools. Fire services and insurers are continuing to warn about the dangers of charging devices overnight or leaving them charging unattended.

The Fire Brigade Service has recently issued a public warning advising people not to leave phones charging while asleep after attending incidents involving scorched sockets and overheating chargers.

The risk is often caused by:
• Faulty or non-genuine chargers
• Damaged charging cables
• Phones left charging on beds or soft furnishings
• Overheating lithium batteries entering “thermal runaway”

Simple safety steps can help protect your home and family:
✔ Use genuine chargers only
✔ Never charge phones on a bed or under pillows
✔ Avoid charging devices overnight
✔ Replace damaged charging cables immediately
✔ Unplug chargers when not in use

At Claims 365 we regularly deal with fire and smoke damage claims and have seen first-hand how quickly these incidents can escalate.

If your property has suffered fire, smoke or electrical damage, we can assist with the entire insurance claim process from start to finish.

ROI: 087 655 1124
NI: 07787 794533
www.claims365.ie

27/04/2026

When you have a fire, flood, leak or storm damage claim, the first question is not just “what is covered?”📝
It is “who is actually on my side?”
A loss adjuster is usually appointed by the insurance company to assess the claim. A loss assessor works for you, the policyholder, helping prepare, present and negotiate your claim.
That difference matters when your home, rental property or business premises in Donegal, Derry or the North West has been damaged.
This Claims 365 guide explains the difference clearly, so you know who does what before the claim moves too far.
Read the blog👉
https://claims365.ie/insurance-loss-assessor-vs-loss-adjuster-who-is-on-your-side/
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06/04/2026

Happy Easter Monday from Claims 365. 🐰🥚🌸
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20/03/2026

We’re opening our doors and inviting local business owners to join us for a special lunchtime networking event! If you’ve ever wanted to see what Donegal Business Network is all about, this is the perfect opportunity.

Come along, meet like-minded professionals, make new connections, and see how DBN can help you grow your business in 2026 and beyond.

Whether you’re a start-up, a growing business, or well established — you’ll be made very welcome.

Address

Co Lab, Port Road, Ballyraine, Co Donegal
Letterkenny
F92PHF4

Website

http://www.claims365.ie/

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