Storm Eowyn has left a trail of destruction across Ireland, with many homeowners now facing the difficult reality of storm damage claims. Unfortunately, a significant number of homeowners and business owners are discovering they are underinsured, meaning their insurance policies do not fully cover the cost of repairs.
When a property is underinsured, insurers apply the average clause, which reduces the payout proportionally. For example, if your home is insured for €200,000 but the actual rebuild cost is €300,000, your insurer may only cover two-thirds of your claim—leaving you out of pocket for the remainder.
If you’re making a claim, check your policy details carefully. If you’re concerned about underinsurance or have had a claim reduced, seeking legal advice early can help you understand your options.
If you need guidance on your storm damage claim, contact us today.
Disclaimer
*In contentious business a Solicitor may not calculate fees or other charges as a percentage or proportion of any award or settlement
**This information is for guidance purposes only. It does not constitute legal or professional advice. Professional or legal advice should be obtained before taking or refraining from any action as a result of the contents of this publication. No liability is accepted by McElhinney & Associates for any action taken in reliance on the information contained herein. Any and all information is subject to change.
About the Authors
Jolene McElhinney, BBLS, Principal Solicitor
Jolene McElhinney is the founding principal of McElhinney & Associates, renowned for her expertise in employment law and personal injury claims across the North West of Ireland. With a distinguished academic background and over a decade of experience, Jolene is dedicated to providing personalised, expert support to her clients, ensuring they navigate the complexities of the legal landscape with confidence and clarity.
