PCLA
Your Independent Loss Assessors
& Leak Detection Specialists

When property problems strike, you need someone on your side.

We’re Northern Ireland and Scotland’s trusted independent assessors—helping homeowners and businesses manage insurance claims and find hidden leaks without the stress, delays, or unfair settlements.

Not sure what you need?
Call 028 9581 5318 and we’ll point you in the right direction.

FCA-authorised. Fully qualified. Always working for you, not your insurer.

FCA authorised (FRN 933781)
25+ years’ experience
250+ 5★ Google reviews
24-hour survey response
Qualified surveyors & practitioners

Who PCLA Help

Homeowners

If your home’s been damaged or you’ve discovered a leak, we’ll take care of the whole process — from first inspection to final settlement or repair.
Our role is to take the pressure off you: we’ll handle the insurer, gather the evidence, and make sure nothing’s missed.

Businesses & Landlords

From rental properties to commercial premises, we help you minimise disruption and recover quickly.
Our qualified team documents the damage, manages the claim, and keeps you informed every step of the way.

What We Do

Loss Assessor Services

PCLA represents property owners in insurance claims by assessing damage, compiling evidence, and negotiating settlements with insurers. We document the full extent of property loss and advocate for fair settlements on your behalf. Our expertise supports successful claims for residential and commercial properties. Common claims we handle:

Water Damage Claim

PCLA inspect water-damaged properties to identify sources, record losses, and produce reports for insurers. Our service ensures all water-related damage is documented and claim evidence is comprehensive. This process enables policyholders to secure adequate insurance payouts for necessary repairs.

Fire Damage Claim

PCLA conduct site assessments after fire incidents to evaluate damage, record structural and contents losses, and gather evidence for insurers. Our reports detail cause and impact of fire damage using photographs and inspection notes. This supports policyholders seeking fair settlements for restoration costs.

Oil Spill Remediation Service

PCLA identifies oil contamination in buildings and grounds, assesses remediation needs, and prepares evidence for insurance claims. We coordinate clean-up actions with contractors and ensure costs are fully documented for your insurer. Our involvement helps policyholders restore their property and recover all remediation expenses.

Commercial Insurance Claims

PCLA assist business owners in making claims for property and business interruption losses by evaluating damage, documenting disruptions, and preparing evidence for insurers. Our reports address both physical and financial losses relevant to commercial policies. This secures business recovery through successful negotiation of insurance settlements.

Claims Management Service

PCLA manages the entire insurance claims process by handling assessments, evidence collection, insurer communications, and settlement negotiations. We keep policyholders informed and ensure claim documentation is complete at every stage. Our service resolves claims efficiently and maximises fair outcome for every client.

Leak Detection Services

PCLA identifies concealed water leaks in homes and businesses by applying specialist detection methods. We locate leak sources, document findings, and advise on next steps. Our work prevents further property damage and supports insurance claims with clear evidence. Our leak detectors can help with:

Leak Detection and Repair

PCLA detect active leaks in plumbing, heating, or mains systems and confirm their exact source. Our team recommends practical repair solutions and supplies insurers with inspection evidence. This service helps property owners resolve leaks and recover repair costs.

Non-Destructive Leak Detection

PCLA surveys buildings for leaks using methods that avoid unnecessary damage to floors, walls, or pipework. We use thermal imaging, acoustic listening, and moisture mapping to identify leaks with minimal intrusion. Our approach preserves property condition while locating hidden faults.

Emergency Leak Detection

PCLA respond promptly to urgent leak problems in homes, commercial premises, or rental properties. Our rapid assessments protect buildings from further water damage and document emergency repairs for insurers. This service safeguards property when immediate action is required.

Trace and Access

PCLA traces the origin of concealed leaks and selects the least invasive access methods to expose and repair faults. We record every step with photographs, measurements, and insurer-ready reports. Trace and access ensures evidence of leak source and the necessity of repair is clearly documented.

Commercial Leak Detection

PCLA survey commercial buildings for leaks in water systems, heating networks, or underground pipes. Our technicians identify leak locations, assess business risk, and supply all findings for insurance claims. This service supports business continuity by preventing damage and documenting loss.

Not sure where to start?
Call 028 9581 5318 for free advice.

How PCLA Help

We take full control

One point of contact from start to finish. No chasing insurers, no endless calls. We handle everything on your behalf.

We document everything properly

Full moisture mapping, photos, and a detailed line-by-line scope — so hidden damage doesn't get missed or undervalued.

We keep you in the loop

Clear updates you'll actually understand. So you'll always know what’s happening next.

Real Results

Find Your Local Team

Northern Ireland

Scotland

Fees & How It Works

For claims

No Win No Fee. You don't pay us anything unless your claim succeeds — and we'll explain the terms up front so there are no surprises.

For leak detection

Fixed-price surveys with a full written report. If your policy includes Trace & Access cover, these costs are often recoverable.

You're always in control of the money

The insurer pays you directly. We're not involved in the settlement payment — you pay our fee only after you've been paid.

Learn more about our pricing and how we work for you by calling PCLA today.

Your Questions About PCLA’s Loss Assessor & Leak Detection Services

If you’re dealing with property damage or a hidden leak, here’s what people usually want to know before calling PCLA.

What's the difference between a loss assessor and a loss adjuster?

A loss adjuster works for your insurance company to minimise payouts. A loss assessor works exclusively for you, ensuring you receive your full policy entitlement. PCLA handle all documentation, negotiate with insurers on your behalf, and fight to maximise your settlement while you focus on your family and work. Most homeowners see significantly higher settlements when professionally represented.

How much does a loss assessor cost?

PCLA work on a no-win, no-fee basis—you only pay if your claim succeeds. This removes all financial risk and ensures we’re fully invested in securing the best possible outcome for you. There are no upfront costs or hidden charges.

When should I hire a loss assessor?

Contact us immediately after property damage occurs—not just when you disagree with an offer. Early involvement ensures all damage is properly documented from the start, preventing underpayment that costs thousands. You can appoint PCLA at any stage, even if you’ve already started dealing with your insurer. The sooner we’re involved, the stronger your claim position becomes.

How much does professional leak detection cost?

Professional leak detection typically costs from £350-£1,200, depending on complexity. Most comprehensive home insurance policies cover this cost under “Trace and Access” provisions, which pay for locating and accessing hidden leaks. This small investment prevents thousands in water damage, structural issues, and mould remediation costs. PCLA will verify your insurance coverage before starting work.

Will you damage my home to find the leak?

No. Our diagnosis is completely non-invasive. We use thermal imaging, acoustic detection, tracer gas technology, and moisture mapping to pinpoint leaks without any destruction. Only after we’ve confirmed the precise location do we create one small, controlled access point for repair. This approach saves you thousands compared to guesswork-based investigations that tear up entire floors.

Do you serve both Northern Ireland and Scotland?

Yes. We provide both loss assessor and leak detection services throughout Northern Ireland and Scotland. We understand regional insurance regulations, Scottish property factor arrangements, and local building characteristics that affect claims across both regions. Our teams are strategically positioned to respond quickly when you need us most.

What if I'm underinsured on my home insurance policy?

Many homeowners across Northern Ireland and Scotland are underinsured—having insured for market value rather than rebuild cost. If you’re 50% underinsured, insurers may only pay 50% of repair costs under the “average clause”. We review your policy immediately to identify coverage gaps and work within your existing terms to secure the maximum possible settlement. We also advise on preventing future underinsurance issues.

How long does the claims process take?

For insurance claims, our professional handling actually speeds up the process—we manage all insurer communication, complete documentation correctly first time, and resolve claims efficiently while you maintain your busy schedule. Claims handled without professional representation often face delays from missing information and back-and-forth correspondence.

If you can’t find what you’re looking for, give us a call and we’ll talk you through your options clearly and professionally.

Why Choose PCLA

About PCLA

PCLA are independent Loss Assessors, Leak Detection Specialists, and Claims Managers working across Northern Ireland and Scotland.

We help homeowners and businesses recover from accidental loss, damage, or leaks. Our team manages the process from first survey to final settlement — handling every detail so you can focus on normal life.

Our promise: you receive your full entitlement under your policy.

Ready to Get This Sorted?

Talk to someone who’ll actually help.

We’re independent loss assessors and leak detection specialists across Northern Ireland and Scotland. That means we represent you — not your insurer.

We’ll assess your damage, handle the paperwork, and deal with your insurer. You get clear advice and someone who’ll push for a fair outcome.

Want to talk it through first?
Request your property survey or claim review — no cost, just clear advice from a qualified professional.
Call PCLA today!

PCLAYour Independent Loss Assessors& Leak Detection Specialists