Fair Claims Start Here
Property damage claim? Get your own independent experts from the start.
A burst pipe, a fire, a storm: the damage is stressful enough without handling the insurance claim on your own. PCLA is an independent loss assessor and claims management company. We work for you, not your insurer. We assess the damage, prepare the evidence and manage your claim through to settlement.
Real people answer, 24 hours a day.
NI 028 9581 5318 · Scotland 0141 461 2406
We listen to what has happened, explain the next steps, and arrange an inspection or a video call.
- FCA authorised and regulated
- Qualified building surveyors and certified insurance practitioners
- Northern Ireland and Scotland's Central Belt
- 24-hour call handling by real people
Real claims, properly represented.
Read the Belfast case study
Escape of water, Belfast. When the first inspection missed hidden water damage, PCLA documented the full extent of the loss and managed the claim through to a £73,000 settlement that included paid alternative accommodation.
Read the Falkirk case study
Water damage and mould, Falkirk. After mould returned to a Falkirk home, PCLA supported the claim with further evidence and intrusive investigation, and the claim settled at approximately £33,000.
- Every claim depends on its own facts and policy terms.
- More case studies
Your insurer may appoint a loss adjuster. PCLA is your independent representative.
Your own independent representative
A loss adjuster assesses the claim for the insurer. PCLA acts solely for you. We inspect the property, document the damage, prepare the evidence and present your position clearly throughout the claim. You stay informed, and decisions that need your agreement stay yours.
Understand the roles
New to this? Two short guides explain the roles.
What a loss assessor does
Loss assessor, loss adjuster or broker: who does what
A properly prepared claim starts with a proper assessment.
1. Talk to PCLA
We listen to what has happened and explain the immediate next steps.
2. Assess the damage
We inspect the property and identify the damage connected to the insured event. Where a visit cannot happen immediately, we can start with a video call.
3. Prepare the evidence
Photographs, measurements, reports and a scope of the damage: we document what the claim needs to show.
4. Manage the claim
We deal with the insurer and its representatives, and represent your interests through to settlement.
Assess the damage. Evidence the claim. Manage the process. Negotiate the settlement.
Independent representation for substantial property damage.
PCLA handles property damage claims including escape of water, septic tank and drainage failures, storm, fire and oil escape. If the damage is substantial, speak to us as soon as you discover it. Not sure whether your claim is serious enough? Call and we will tell you honestly whether independent representation is appropriate.
Water damage claims
Water spreads beyond what you can see. We assess the full extent, prepare the evidence and manage the claim from the start.
Septic tank claims
Septic tank and drainage failures can cause serious property damage. We assess the damage and manage the claim through to settlement.
Storm damage claims
Storm damage needs prompt, clear evidence. We document the damage and represent you through to settlement.
Fire damage claims
After a fire, you need a clear plan for the claim. We provide assessment, evidence and claim management from inspection to settlement.
Oil damage claims
Oil can affect more than the visible area. We assess the property damage and manage the insurance claim on your behalf.
Landlord claims
Damage to a rental property disrupts tenants and rental income. We manage the claim through to settlement so you can focus on the property and your tenants.
Something else, or a claim that has been refused or is dragging on? See all claim types.
Business premises damaged? PCLA handles commercial property claims with the same independent representation. Commercial claims.
Clear fees, agreed in writing before you appoint us.
No-win, no-fee loss-assessing services are available for most domestic property damage claims. PCLA’s standard fee is 10% of the settlement plus VAT. The rate on an individual claim can be higher or lower depending on its size and complexity, and your exact fee is agreed with you in writing before you appoint us.
PCLA explains its fee and terms clearly before appointment.
Local teams in Northern Ireland and Scotland.
Northern Ireland
Independent property insurance claim representation across Northern Ireland, from our NI office.
Scotland
PCLA has an office and staff in Scotland and operates across the Central Belt.
Understand your claim before you make it.
Specialist services that support your claim.
Leak detection
Finding the source is often the first step in an escape-of-water claim. PCLA’s leak detection team locates hidden leaks across Northern Ireland, using non-invasive methods wherever possible. Leak detection services.
Oil spill remediation
PCLA provides an oil spill remediation service that cleans up and restores properties affected by oil spills. This is a separate service from PCLA’s loss assessing and claims management work. Oil spill remediation.
Frequently asked questions
Clear answers to the questions people usually ask before appointing PCLA.
How much does a loss assessor cost?
No-win, no-fee loss-assessing services are available for most domestic property damage claims. PCLA’s standard fee is 10% of the settlement plus VAT. The rate on an individual claim can be higher or lower depending on its size and complexity, and your exact fee is agreed with you in writing before you appoint us.
What is the difference between a loss assessor and a loss adjuster?
The insurer may appoint a loss adjuster to assess the claim for the insurer. PCLA is the policyholder’s independent representative. We work for you, prepare the evidence and manage the claim through to settlement.
When should I contact PCLA?
As soon as substantial property damage is discovered. Early contact gives us the best opportunity to assess and document the damage from the start, and it is not too late if your claim is already under way.
Is my claim serious enough?
Speak to us after substantial property damage. We will tell you honestly whether independent representation is appropriate for your situation.
Can you tell me if I am covered?
We can review the available policy information and explain the likely claim position. The insurer makes the final decision on whether the policy covers the claim.
Will appointing PCLA make my claim more difficult?
PCLA manages the claim professionally and communicates with the insurer and its representatives on your behalf. Our role is to make sure the damage and your position are clearly documented and presented.
Do you cover my area?
PCLA operates across Northern Ireland and Scotland’s Central Belt, with local offices and staff in both.
Do you find the leak as well as manage the claim?
Yes. PCLA provides a professional leak detection service across Northern Ireland, using non-invasive methods wherever possible. Leak detection.
If you have another question, speak to PCLA and we will explain your options clearly.
Who you are appointing.
PCLA is an independent loss assessor and claims management company. Our team includes qualified building surveyors and certified insurance practitioners: PCLA’s loss assessors are building surveyors by qualification, which is what allows us to scope and cost reinstatement in house on a live claim. We represent policyholders in property insurance claims, and we act solely for policyholders, not insurers.
Property Claims Loss Assessors Ltd, trading as PCLA, is a claims management company authorised and regulated by the Financial Conduct Authority, FRN 933781.
You look after your property. PCLA looks after the claim.
Speak to PCLA as soon as you discover substantial property damage.
NI 028 9581 5318 · Scotland 0141 461 2406 · Real people, 24 hours a day