OMC Property Claim Consultants Limited T/A Mc Carthy Loss Assessors (MCLA), registered office at Irish Grange, Carlingford, Co. Louth, is regulated by the Central Bank of Ireland to undertake insurance distribution, as a Loss Assessor, under the European Union (Insurance Distribution) Regulations 2018. A copy of our Statement of Authorised Status is available upon request or can be verified by the Central Bank of Ireland website at www.centralbank.ie
MCLA has office at:
Irish Grange, Carlingford, Co. Louth.
Tel: 0860440926
Email: oisin@mcla.ie
Statutory Codes
Mc Carthy Loss Assessors (MCLA) complies with and is subject to the Consumer Protection Code 2025 and the Central Bank’s Standards for Business, together with the Fitness and Probity Standards and the Minimum Competency Code. Protection under these codes is offered to the consumer and can be found on the Central Bank website at www.centralbank.ie (http://www.centralbank.ie).
Services Provided
We offer a professional property damage/loss assessing service, plus administration, to our clients. We prepare, manage and negotiate property damage/loss claims on your behalf with the insurance company liable for the claim or their appointed intermediary/Loss Adjuster. We also offer Public Loss Assessing (PLA) for commercial, residential and industrial sectors.
Conflicts of Interest
It is our policy to avoid any conflicts of interest when providing services to our clients. However, if an unavoidable conflict arises, we will advise you of this in writing before proceeding to provide any business service and, thereafter, take all necessary steps to ensure that you, our client/s, are treated fairly, after you have given your consent for us to proceed.
Remuneration Structure
Mc Carthy Loss Assessors (MCLA) do not charge for our initial consultation. We are remunerated by a professional fee for work, activity and time spent in providing the best terms, advice and service for your specific needs. Our fees are based on a percentage of the settlement achieved, plus V.A.T. at the applicable rate and are agreed at the initial contact with the client.
We reserve the right to amend our fee structure if the complexity of the service is such as to require an inordinate increase in time or service beyond normal practice. Any such increase will be discussed with you before it is applied.
Failure to Pay for Professional Services
Mc Carthy Loss Assessors (MCLA) will exercise our legal right to recover any payments due to us for business services provided in the event of a default in payment.
Data Protection
In order to provide our service to you, it is necessary to collect and process your personal data. Mc Carthy Loss Assessors (MCLA) is a data controller for the purposes of the General Data Protection Regulation (GDPR) and the Data Protection Act 2018. We process your data on the lawful basis of the performance of our contract with you, compliance with our legal and regulatory obligations, and our legitimate interests in progressing your claim. Where necessary to progress your claim, and with your consent where required, we may share information about your claim and your personal details with your insurer and its appointed loss adjuster, your chosen contractor, affiliated professionals and/or nominated persons.
We will only use your contact details to send you information about other products or services where you have given us your separate, specific consent to receive such marketing. You may withdraw that consent at any time.
You have the right to request a copy of the personal data we hold about you and to have any inaccuracies corrected. In certain circumstances you also have the rights to erasure, to restriction of processing, to data portability, and to object to processing, together with the right to lodge a complaint with the Data Protection Commission (www.dataprotection.ie). We retain your personal data in line with our legal and regulatory obligations, in most cases for six years from the date on which we cease to act for you.
Privacy policy can be viewed on our website.
Duty to Disclose Information
It is incumbent on you to provide complete and accurate information when making a claim, and that you answer any questions from your insurer, or from us, honestly and with reasonable care. Under the Consumer Insurance Contracts Act 2019, an insurer may only refuse or reduce a claim in the circumstances set out in that Act, including where there has been a relevant misrepresentation. Providing incomplete or inaccurate information may therefore affect the outcome of your claim. This also applies to information supplied to your nominated Loss Assessor.
Complaints Procedure
It is the policy of Mc Carthy Loss Assessors (MCLA) to ensure that our customers complaints are dealt with expeditiously and problems resolved in a timely manner. A log will be kept of all complaints and acknowledged within 5 working days. We will provide you with an update on your complaint at intervals of not greater than 20 working days. A full investigation will then be carried out and, on completion of our investigation, you will be provided with a written response of the outcome of our investigation within 40 working days.
In the event of any failure to resolve your complaint or if you are still dissatisfied with our handling of or response to your complaint, you are entitled to refer the matter to the Financial Services and Pensions Ombudsman (FSPO). Our full complaints procedure is available upon request, and our complaints process is also available on our website.
Financial Services and Pensions Ombudsman (FSPO)
3rd Floor, Lincoln House,
Lincoln Place,
Dublin 2,
DO2 VH29.
Phone: +353 1 567 7000
Email: info@fspo.ie
Governing Law
Our terms of business is governed by the laws of the Republic of Ireland. These terms of business are valid from 17/08/2026 until further notice.
Consumer Protection
Mc Carthy Loss Assessors (MCLA) holds professional indemnity insurance in accordance with the Central Bank of Ireland’s requirements. We contribute to the Investor Compensation Scheme through the ICCL (The Investor Compensation Company Limited).
Code of Conduct
Mc Carthy Loss Assessors (MCLA) will:
