A high-powered businessman client was a meticulous record keeper. Every time he purchased anything of significant value, he would send a copy of the receipt to his broker for addition to the policy of specified valuables. When he suffered a €80,000+ burglary at his Dublin home he was rather taken aback that insurers were questioning the claim, which to his mind was perfectly straightforward, properly documented and adequately covered.

Unfortunately, when a policy is continually amended and updated, it is rare that all of the information, which is supposed to reflect the current position, is indeed included as the policyholder intended.

 The Insurers appointed a very experienced senior Loss Adjuster who specialised in jewellery and fine-art claims, and was an expert in turning the interpretation of the policy fine-print to the Insurers’ advantage. We sorted through several years worth of the broker’s files and those belonging to our clients. We produced a complete reconciliation of all the items to the policy wording and cover, proving the Insurers were liable for everything. In fairness to the Loss Adjuster, he settled the claim with good grace. There is no such thing as a straightforward claim.