Ireland's leading commercial loss assessor

Business fire damage insurance claims

A fire at your business can cause serious damage to your building, equipment, and stock while bringing everything to a sudden stop. We manage your business fire damage claim from start to finish, assessing the structural and financial impact, and negotiating with your insurer to secure the settlement your business needs to rebuild and get back to work.

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Call us today: 1800 29 39 40

Loss Assessors represent you and prioritise your interests in the claims process to:

Secure you the best settlement

Protect your entitlements

Reduce your stress and save you time

Trusted insurance claims partner

Preferred partner for Ireland’s top Insurance Brokers

Immediate Support

What to do immediately after a fire at your business premises

Do not re-enter the building until the fire service confirms it is safe to do so. Once access is permitted, take photos and video of all the damage before anything is moved or cleaned up. Contact your insurer straight away and make it clear that no permanent repairs should begin until a full damage assessment has been completed. Keep a record of lost income and any extra costs from day one, as these form part of your claim. Ask any contractors carrying out emergency work to keep detailed records of everything they do and spend.

Know Your Cover

What's typically covered in business fire damage insurance claims

Commercial fire policies generally cover the cost of rebuilding or repairing the premises, replacing equipment, machinery, and stock, clearing debris, and carrying out specialist smoke and soot cleaning. If the damage prevents you from trading while repairs are underway, the resulting loss of income may also be covered. The cause of the fire can affect how the insurer assesses the claim, particularly in relation to electrical maintenance and fire safety compliance, so having well-kept records of both will support your position.

Types of Business Fire Damage Claims

Business fire damage insurance claims we handle

Electrical and wiring fires

Electrical faults in commercial premises — including overloaded circuits, faulty installations, and equipment malfunctions — are among the most common causes of business fires and can cause rapid and extensive damage before suppression systems activate.

Stock and warehouse fires

Fires in storage facilities, warehouses, and distribution centres can result in total loss of stock, raw materials, and finished goods, with business interruption implications that extend throughout the supply chain and recovery period.

Manufacturing and production facility fires

Fires in manufacturing environments can destroy specialist plant and machinery, production lines, and raw material stocks, with replacement lead times and operational downtime creating complex and high-value business interruption claims.

Commercial kitchen fires

Cooking equipment, extraction systems, and accumulated grease are significant fire risks in commercial kitchen environments, and fires in this setting can damage the kitchen, adjoining areas, and HVAC systems while forcing closure of the wider premises.

Office and retail premises fires

Fires in office or retail environments can destroy IT infrastructure, business records, customer data systems, and trading stock, with business interruption losses that begin immediately and continue throughout the reinstatement period.

Arson and deliberate fire damage

Where a fire at commercial premises is determined to be deliberate, the claim involves additional complexity around the investigation process, and professional support ensures the business's interests are protected throughout and that the full loss is properly claimed.

Cause & Complexity

Common causes of business fire damage insurance claims

Common causes include electrical faults, cooking equipment that was left unattended, faulty heating or machinery, arson, and accidental fires started by contractors on site. Fires tend to spread quickly in commercial settings, and smoke and water damage from firefighting efforts often adds considerably to the overall loss on top of the fire damage itself.

Reduce Stress

Why use a loss assessor for a business fire damage insurance claim?

Fire claims involve many elements running at the same time: rebuilding costs, equipment replacement, stock loss, smoke damage remediation, and loss of trading income. Insurers appoint their own loss adjuster quickly, and that person works to protect the insurer’s position. Having a loss assessor working for you from the start means someone is looking out for your interests throughout the process and making sure the full cost of getting your business back on its feet is captured in the claim.

Clear Timelines

How long do business fire damage insurance claims take?

Minor fire damage claims can often settle within 6 to 12 weeks. Claims involving major structural damage, a period of full or partial closure, stock and equipment replacement, and business interruption typically take between 6 and 18 months depending on the scale of the rebuild. Where the cause of the fire is disputed or liability is unclear, the process can take longer still.

Initial Contact and Free Consultation

When you contact us, we provide a free consultation to discuss your fire damage claim. This step allows us to understand the extent of the damage, address any urgent safety concerns, and create a tailored plan to manage your claim efficiently.

Claim Registration and Documentation Collection

After deciding to proceed, we formally register your fire damage claim and gather all necessary documentation, such as photos, fire incident reports, repair estimates, and any additional evidence. Accurate and comprehensive documentation is key to presenting a strong and well-supported case.

Site Inspection, Assessment, and Policy Review

Within 48 hours, our team conducts a detailed site inspection to evaluate the fire’s impact on your property, inventory, and equipment. We document all damage, including structural impacts, smoke and soot damage, and secondary issues. We also review your insurance policy to understand coverage specifics, exclusions, and potential concerns, ensuring we’re fully prepared to advocate for you.

Claim Preparation, Submission, and Negotiation

We prepare and submit your fire damage claim with comprehensive evidence and documentation. Our team negotiates directly with your insurer to secure a settlement that covers the full extent of necessary repairs, replacements, and business interruption costs resulting from the fire.

Settlement and Ongoing Support

Once the claim is settled, we review the payout to ensure it covers all restoration and operational recovery costs. We guide you through every step of the process, conducting a final review to confirm all aspects of your claim have been addressed. Our goal is to make your fire damage claim experience smooth, informed, and stress-free, enabling your business to recover and resume operations quickly.

How we help you

Why us for commercial fire damage insurance claims support

Maximum Settlements

We’re dedicated to securing the best possible settlement for your commercial fire damage claim, ensuring every aspect of your loss is fully covered and your entitlements are protected.

Commercial Fire Damage Negotiation Experts

With extensive experience in negotiating commercial fire damage claims, we know how to advocate for your rights and achieve a fair, timely outcome with your insurer.

Full-Service Claim Management

From policy review to coordinating with contractors for restoration, we manage every detail of your commercial fire damage claim, allowing you to focus on business continuity.

Proactive and Thorough

We think outside the box to ensure every aspect of your business’s fire damage—whether from heat, smoke, or water—is identified and addressed comprehensively.

Quick Claims Admission

We work strategically to help secure fast claim admission for your fire damage, minimising delays and getting your business restoration underway promptly.

Transparent Communication

From the initial policy review to the final settlement, we keep you informed every step of the way, ensuring a smooth, stress-free experience during a challenging time.

where we operate

Supporting commercial fire damage claims across Ireland

From Dublin to Cork, Galway to Limerick, OMC Claims Loss Assessors serves clients across Ireland with seamless support and expertise in every corner of the country. No matter where you are, we’re ready to assist you.

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