Household claims.

As we pass from winter to Summer hopefully the risk of storm damage and leaking pipes has diminished for most of us. The one we need to be conscience of all year round but even more so as we consider taking holidays away from our homes is security of the premises while were away.

There is no better security measure than fitting a monitored alarm. They have become cheaper to purchase and install and can be wire free which is great. You can have them advise yourself,neighbor or family member if activated. You can of course use phone watch where they will contact the Gardai on your behalf.

Just remember if you declare you have an alarm at inception or renewal of the policy you will have received a reduction on your premium.So If it has not been turned on and the house is burgled most Insurers will reduce the settlement figure you would be entitled to so bear this in mind at inception or renewing the policy.

Please do not leave a key externally in your favorite hiding spot that`s easy to find as this is a common means of entry for thieves. Also leaving items that can be used to force open windows such as shovels and spades visible to intruders is another common mistake.

Its advisable to hide your jewelry and other valuables well if you are leaving them in the house.Hard to access spaces away from bedrooms would be good spots to consider. Also make sure and this is very important, to have a clear picture of all your valuable items and have the whole lot valued and named on your policy where they exceed the individual maximum payout stated on your policy for single items.

Don`t be afraid to call to your local Garda station and advise the house is empty for whatever period and leave them the name of a key holder should they need it.A little card with details they can leave on the notice board of their parade room would be a good tip.

Putting these claims together , securing indemnity ,dealing with loss adjusters and maximizing what your entitled to should the worse happen is not a simple process . Carter claims will assist you with this and remove the stress as much as possible in the circumstances. Give me a call if your unsure on how best to deal with a claim you need to make on your policy.