PCLA Edinburgh | Property Claims Loss Assessors
We handle the hassle, you keep the payout. End-to-end claims support for homeowners—fast, fair, and fully independent.
Concerned Your Insurer’s Offer Is Too Low?
Many homeowners in Edinburgh settle too early. We work on behalf of the policyholder to secure the best possible settlement—managing your insurance claim from start to finish.
Why Edinburgh Homeowners Trust PCLA:
- No win, no fee service;
- On-site survey within 24–48 hours;
- Over 25 years of UK-wide claims experience;
- Fully independent and FCA-regulated.
What We Do for Homeowners in Edinburgh
If your home has suffered from fire, flood, storm damage or a water leak, we act as your dedicated loss assessor—managing your entire insurance claim on your behalf.
From the initial inspection to final payout, we deal with your insurer, document every detail, and coordinate any necessary repairs—so you can get back to normal life, faster.
- Free no obligation survey!
- Damage assessed within 24 Hours
- We compile all costs for you
- We manage the entire claims process
- We negotiate with the insurance company
- We're Certified Insurance Practitioners
- We're Qualified Building Surveyors
- All money goes to you, not us
- No win, No fee
Arrange your FREE claims review
How It Works
Step 1: Speak to an Edinburgh-based assessor
We listen to your situation, review your cover, and explain next steps.
Step 2: Property inspection within 48 hours
Our qualified surveyor assesses the full extent of damage—seen and unseen.
Step 3: Claim preparation
We compile all evidence, reports and costs ready for insurer submission.
Step 4: Direct negotiation
We manage all communications and push back on under-valued offers.
Step 5: Settlement and reinstatement
Once approved, you'll receive the settlement directly from your insurance comapny and you can restore your home..
What Makes PCLA Different?
| What We Do | Why It Matters |
|---|---|
| Work solely for you—not the insurer | Your interests come first |
| Handle your claim from start to finish | You avoid stress and admin |
| Offer local, on-site assessments | Faster response across Edinburgh |
| Regulated by the FCA | Professional, transparent and accountable |
| Help manage repairs | No need to chase contractors |
Real Results From Homeowners Like You
“Our flat in Leith had water pouring in from a burst tank upstairs. The insurer offered £12,500. PCLA stepped in, got a full survey done the next day and pushed the final payout to £18,900. We didn’t lift a finger.”
— Rebecca, Leith, Edinburgh
✅ Final payout: £18,900
⏱ Time to settlement: 8 weeks
We’ve helped homeowners like Rebecca. We can help you too.
Ready to Start Your Claim?
Step 1: Tell us what happened.
We’ll call you back within 30 minutes to explain what you’re entitled to—no fee, no pressure.
You don’t need to deal with the insurer. That’s what we’re here for.
Loss Assessor
We assess property damage, handle insurer negotiations, and fight for your full entitlement—without you having to chase forms or follow up calls.
Claims Management
From paperwork to contractor quotes, we manage every detail so you don’t have to. You’ll stay informed at key points, but we handle the heavy lifting.
Types of Property Claims PCLA Can Help You With
We help homeowners across Edinburgh with all kinds of domestic insurance claims. Whether it’s storm damage, flooding, or a leak that won’t go away—we’ve got you covered.
Common Perils We Handle
Water Damage Claims
Burst pipes, leaking tanks or slow leaks from appliances—documented and dealt with.
House Fire Claims
We handle everything from minor kitchen fires to full structural damage.
Oil Spill Property Damage Claims
Common in older homes or rural suburbs—we identify the cause and recover cleanup costs.
Septic Tank Damage Claims
We assist with insurance claims for broken or backed-up systems, including site access damage.
Storm Damage Property Claims
High winds, fallen chimneys and slates off roofs—we act fast and report thoroughly.
Accidental Property Damage Claims
From dropped items to smashed glass, we gather evidence and manage the process.
Household Flood Damage
We assess rising water, blocked drains and sewer overflows—inside or out.
Impact Damage Claims
If a vehicle hit your wall or property, we inspect and cost the repairs.
Theft and Burglary Property Damage Claims
We compile inventories and damage reports following a break-in or malicious damage.
Get Help Today
Questions People Ask Before Getting Help With a Claim
What’s the difference between a Loss Assessor and a Loss Adjuster?
We represent you, not your insurer. They send a Loss Adjuster to protect their costs. We work to maximise your settlement.
Can I handle my claim alone?
You can—but it’s easy to miss things. If the claim is complex or you’re busy, we handle it all and make sure nothing gets overlooked.
How much does it cost—and are there hidden fees?
In most cases, it’s no win, no fee. If we do charge, you’ll get a full breakdown in writing.
Will I get a better result with PCLA?
Most of our clients do. With proper evidence and negotiation, settlements are often 40–60% higher.
Do I have to chase anything?
No. We handle the entire process—documents, phone calls, quotes and follow-up.
Is this service available across Edinburgh?
Yes. We cover all areas—from Morningside to Leith, Corstorphine to Portobello.
What if I’ve already had a Loss Adjuster visit?
You can still appoint us. We’ll review the offer, and if it’s low, we’ll take over from there.
Still have questions?
Contact us today to find out how we can help with your claim.
PCLA are independent Loss Assessors and Claims Managers who act for you—not your insurer.
We’ve spent over 25 years helping UK homeowners deal with insurance claims after fire, flood, or sudden damage. Our experienced team takes over every stage—from inspection to settlement—so you don’t have to.
We’re regulated, reliable, and based right here in Scotland.
We make insurance claims easy.