Professional support for malicious damage and riot damage claims affecting homes, commercial buildings, contents, fixtures and business premises across Northern Ireland.
Get Expert Help TodayMalicious damage can affect household and commercial buildings, as well as their contents. Damage caused by malicious persons can be disturbing, destructive and stressful for the policyholder, especially when the property has been entered, vandalised, defaced or left unsafe.
Malicious or riot damage to both household and commercial buildings and their contents can be severe. Isolated incidents of malicious damage are common and can occur with or without motive. More widespread malicious and riot damage is less frequent, but can cause major destruction to buildings, contents and business operations.
Business owners can also suffer considerable losses where malicious or riot damage causes closure, interruption of business, loss of turnover and loss of profits.
Typical malicious damage includes physical destruction in whole or in part to windows, doors, walls, partitions, roofs, decorations, ceilings, fixtures or the general defacing of houses, shops, factories, warehouses, offices and other domestic or commercial buildings.
It is not uncommon for malicious persons, once having entered a building, to set fire to the premises, steal property from within or cause further internal destruction. This type of malicious and riot damage is normally covered by comprehensive house and business insurance policies.
Stress-free management of your malicious damage claim from first assessment through to settlement.
We help negotiate fair cash settlements directly with your insurance company.
We provide a hands-on approach and act only in the interests of the policyholder.
For insurers to accept a claim or loss for malicious damage, they will need to be satisfied that there was malicious intent. Premier Property Claims has extensive experience in the types and nature of damage that insurers will accept as malicious damage or riot damage.
When an insurance policyholder suffers damage to their property by malicious persons or by riot, it is vital that the claim is correctly and professionally presented. This helps avoid problems or misinterpretation by insurers who may seek to decline a claim as maintenance when an insured peril has actually occurred.
Premier Property Claims will ensure that clients have the strongest possible chance of their claims being accepted. We can offer insurance claims advice, guidance and help, and our claims management experience assists with the swift processing of the claim.
Premier Property Claims Loss Assessors can assist with the arrangement of emergency repairs to make any damaged building safe and watertight and ensure that mains services are safely terminated or resumed where necessary.
We assist clients by preparing a schedule of loss and negotiating settlement with insurers or their loss adjusters on your behalf. We will also guide you in obtaining appropriate replacement or repair estimates and valuations where necessary.
Your insurance company is likely to appoint a loss adjuster or claims handler to deal with your claim, but this is to protect their own interests. These representatives operate under heavy workloads and your claim may not be given the focus it deserves. Adjusters and insurance claims inspectors do not prepare your claim. They adjust the claim you submit.
Other expenses may be recoverable that you are unaware of. If you prematurely agree a claim with insurers, it may be too late for them to subsequently reconsider additional items.
Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or their representative has the advantage and may attempt to construe the policy wording in their favour. As your dedicated public loss assessor, Premier Property Claims understands policy wording and has the knowledge and experience to redress the balance.
It is essential that you are represented by your own professional FCA regulated loss assessor as soon as possible after damage is discovered. This helps ensure the claim is properly and accurately presented and that you receive the maximum benefit available under the policy.
Speak with Premier Property Claims today and let our experienced team manage your malicious damage insurance claim from start to finish.
Call 0800 193 4323