Pyrite & Mica Home Insurance Ireland

Insurance Before, During & After Remedial Repairs

Struggling to get home insurance because your property has been affected by pyrite or mica? You’re not alone.

Across Ireland, thousands of homeowners have faced serious structural issues due to defective building materials. Even after repairs are completed under approved remediation schemes, many insurers still decline cover.

Dolmen Insurance specialises in arranging pyrite and mica home insurance in Ireland for properties affected by these structural issues — including cover during remedial works and after certified repairs are complete.

Why Is It Difficult to Get Insurance After Pyrite or Mica?

Many standard insurers automatically decline properties with:

Previous pyrite damage
Previous mica damage
Structural remediation history
Ongoing foundation or structural works

Even when your home has been fully repaired and certified, some insurers still treat it as high risk.

That’s where specialist insurance matters.

At Dolmen, we work with insurers in Ireland, the UK and specialist markets who assess each property individually — based on engineering certification, remediation standards and current structural condition.

Can You Insure a House With Pyrite or Mica?

We do not insure untreated structural damage. However, we can arrange cover in the following situations:

If your home is undergoing approved structural repairs, we can arrange suitable cover while works are in progress — subject to underwriting criteria.

This cover will be arranged, excluding any Mica or Pyrite claims while remedial works are ongoing. Once works are fully completed and a Certification of Works has been issued, full cover can then be arranged.

If repairs have been completed and certified by a qualified engineer under an approved remediation scheme, we can arrange full buildings and contents insurance.

Even if your home was previously declined due to pyrite or mica history, we can often secure competitive cover once proper certification is in place.

What Is Pyrite & Mica Damage?

Pyrite and mica are naturally occurring minerals that were present in some building materials used during Ireland’s construction boom.

When reactive pyrite is present in hardcore under foundations, it can expand and cause cracking and structural movement. Mica contamination in concrete blocks can weaken external walls, leading to deterioration over time.

Both issues have led to major remediation schemes across Ireland — particularly in affected counties.

Homeowners often face two challenges:

Completing approved structural remediation
Securing affordable home insurance afterwards

Dolmen helps with the second part.

What Does Our Pyrite & Mica Insurance Cover?

Subject to underwriting and certification, cover can include:

Buildings Insurance
Contents Insurance
Public Liability
Alternative Accommodation (where applicable)
Optional Accidental Damage
Properties During Structural Repair
Homes Previously Declined by Standard Insurers

Every property is assessed individually.

Why Choose Dolmen for Pyrite or Mica Insurance?

We understand this isn’t just a technical issue — it’s a stressful one.

Our benefits include:

Decades of experience in Irish home insurance
Access to specialist UK & European insurers
Cover during structural remediation
Cover after certified repair works
Solutions for declined or refused properties
Independent advice and market comparison
Ongoing support and claims assistance

If you’ve been told “no” elsewhere, speak to us before giving up.

Talk to Philip’s Team

Frequently Asked Questions About Pyrite & Mica Insurance

Can I get home insurance after pyrite remediation?

Yes — provided the remediation works have been fully completed and certified by a qualified engineer. Specialist insurers will assess the property based on current condition, not just its history.

Can I insure my house while mica repairs are being carried out?

In many cases, yes. We can arrange appropriate cover during approved remedial works, subject to underwriting criteria and documentation.

During this period, cover will exclude any Mica or Pyrite related claims until the works are completed and Certification of Works has been issued.

Why do insurers refuse homes with pyrite or mica history?

Some insurers apply blanket underwriting rules for structural defects, regardless of whether repairs have been completed. Specialist markets assess risk on a case-by-case basis.