When water damage strikes your home, the last thing you need is a drawn-out fight with your insurer. For one homeowner in Mansewood, Glasgow, a burst bathroom pipe caused serious deterioration in their kitchen — and an initial swettlement offer that wouldn’t even cover basic repairs. By turning to PCLA, Glasgow’s independent loss assessors, the homeowner secured a fair payout of £10,900 — more than 15 times higher than their insurer’s first resolution.
The Problem: A Leak Turns Into Major Harm
In August 2025, a homeowner in Mansewood discovered a serious leak when the feed pipe under their bathroom sink failed. Water escaped quickly, seeping through the bathroom floor and impairing the kitchen ceiling, units, and electrics below.
The homeowner acted fast — calling a plumber to stop the leak and clean up the immediate mess. Once the emergency repairs were handled, they contacted their insurer, Admiral, to start an insurance case.
Admiral’s Initial Resolution: £700 Minus Excess
Admiral arranged a remote video call to assess the property. Following the call, the insurer offered just £700, reduced by the £600 excess stated on the policy. That left the homeowner with only £100 to restore a damaged kitchen — nowhere near enough to put things right.
Frustrated and worried, the homeowner decided to seek expert assistance. That’s when they contacted PCLA — independent advocates in Glasgow who act for you, not the insurer.
Why PCLA Were Called In
The homeowner had lost confidence in the insurer’s offer and wanted someone experienced to take control of the insurance claim. With over 25 years of handling water, fire, and storm claims, our Glasgow team is trusted by homeowners across the city, from Shawlands and Pollokshields to Partick and Bearsden.
We don’t work for insurers. We represent you. Our job is to document the full extent of the damage, negotiate firmly, and secure the reimbursement you’re entitled to.
PCLA’s Intervention: Full Survey and Negotiation
Once appointed, we immediately:
- Rejected the initial offer and formally notified Admiral that we were managing the claim.
- Requested a site meeting with a loss adjuster, given the scale of the deterioration.
- Carried out our own in-depth survey, uncovering hidden harm the video call had missed.
Armed with detailed reports, a costed schedule of works, and the plumber’s confirmation of the leak source, we met Admiral’s appointed adjuster on-site. Our evidence-backed approach meant the insurer could not ignore the true scope of the reinstatement required.
The Outcome: £10,900 Final Payout
At first, Admiral’s adjuster increased the offer to £9,000. But our team identified omissions and pushed for amendments. After further negotiation, the settlement offer was finalised at £10,900.
That’s more than 15 times higher than the insurer’s original offer, and enough to cover full reinstatement of the kitchen. The homeowner was relieved, repairs were scheduled, and the stress of chasing the insurer was completely removed.
What Our Clients Say
Don’t just take our word for it — here’s what Glasgow homeowners say about our service:
“My elderly mother had a water leak recently causing a significant amount of damage. The thought of making a claim was too much for her. Declan and the team stepped in and fulfilled this role, taking all the stress out of it. We could not be happier with the service provided.”
“Jordan did a great job dealing with the insurance company after we had a leak in our kitchen. We just handed over the info and he did the rest.”
“Declan was very quick to get in contact and give reassurance. He dealt with the insurers quickly, arranged the site assessment, and secured a fair claim settlement.”
Why This Case Matters for Glasgow Homeowners
This case highlights a common problem: insurers often undervalue compensation claims at the first stage. Without independent guidance, many homeowners risk being left out of pocket.
By appointing PCLA, you gain:
- Independent advocacy — we act for you, never the insurer.
- Thorough property surveys — identifying issues insurers overlook.
- Expert negotiation — proven to secure higher reimbursements.
- Stress-free process — we handle everything from paperwork to payouts.
Whether you live in Glasgow city centre, Govan, Shawlands, or Bearsden, PCLA is here to protect your interests.
Get Free Claims Advice Today
If you’re facing water damage in Glasgow or if your insurer has made an unfair offer, don’t settle for less. Contact PCLA today for free claims advice.
We’ll handle the hassle, so you can focus on getting your home repaired.
👉 Stop worrying. Start claiming. Call PCLA — your ally, not theirs.
FAQs: Take Back Control After Water Damage
Will a Loss Assessor really make a difference for my claim?
Absolutely. When water damage turns your home upside-down, it’s easy to feel out of your depth. Having a seasoned expert in your corner means you don’t have to fight alone. PCLA Glasgow takes over the paperwork, negotiations, and insurer pushback — so your home, and your peace of mind, are restored faster.
👉 If you’re facing water damage in Glasgow, don’t go it alone — contact us today for free claims advice.
How much will it cost to get help from PCLA Glasgow?
We charge 10% of the final settlement + VAT — agreed upfront, with no hidden extras. Most families find this is only a fraction of the extra compensation we secure. By maximising your payout and removing stress, our service often pays for itself many times over.
👉 Want to know what that could mean for you? Call us for free advice today.
Can PCLA Glasgow really get me more than I’d get on my own?
Yes. Over 95% of our clients receive higher settlements than if they dealt with the insurer themselves. We uncover hidden and secondary damage that insurers often overlook, making sure your full entitlement is recognised. That means fewer sleepless nights, and more certainty your home can be properly repaired.
Why shouldn’t I just trust my insurer to handle everything?
Insurance companies protect their own bottom line. That’s why first offers are often lowball settlements. With PCLA Glasgow, your interests come first. We act only for homeowners, making sure every part of your loss is acknowledged, every entitlement is claimed, and every promise is kept.
Will I still have a say in repairs and choices?
Of course. Your home is your sanctuary, and you deserve control over how it’s restored. We keep you informed and involved at every step — protecting your right to choose who repairs your home, and ensuring transparency throughout the process.
What happens if my insurer rejects or delays my claim?
If your claim is stalled or unfairly rejected, don’t panic. PCLA Glasgow fights back — appealing unfair decisions, challenging delays, and cutting through insurer red tape. We do the heavy lifting so you get the fair outcome and support you deserve, without the struggle.
👉 If your insurer is dragging its feet, get in touch today — our advice is free.
