When your property is damaged, the last thing you need is the stress of battling your insurer. PCLA act as your independent Loss Assessor in Derry, handling every stage of your insurance claim so you don’t have to.
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Delays, low settlement offers, confusing forms—it can feel like the insurer is working against you. With PCLA on your side, you don’t face this process alone. We represent you, not your insurer, to make sure your claim is settled fairly.
We help homeowners and businesses in Derry and across County Londonderry manage property damage insurance claims. Our loss assessors handle every stage — assessing the loss, compiling evidence, and negotiating with your insurer to achieve a fair settlement.
Yes. PCLA provides dedicated loss assessor services throughout Derry, Londonderry, and the wider Mid-Ulster region. We understand the local property landscape and work with trusted contractors across Northern Ireland to ensure your claim is managed efficiently from start to finish.
We aim to attend properties in the Derry area within 24-48 hours of your initial contact. For emergency situations like flooding or fire damage, we can often respond the same day. Early involvement helps protect your claim and ensures nothing is missed during the critical initial assessment.
PCLA charges 10% plus VAT of your final settlement amount, deducted directly from your insurance payout—not paid upfront. Our initial survey is completely free, even if we determine you don’t have a valid claim. We work on a ‘no win, no fee’ basis, so you only pay if your claim is successful.
No. Loss assessors typically speed up the claims process rather than delay it. We handle all documentation, evidence gathering, and insurer communication professionally, which reduces back-and-forth delays. Our expertise helps avoid the common mistakes that cause claims to stall or get rejected.
Absolutely. You can appoint a loss assessor at any stage of the claims process, even if the insurer’s loss adjuster has already visited. Remember, the loss adjuster works for the insurance company to protect their interests—a loss assessor works exclusively for you to maximise your settlement.
Most homeowners who handle claims themselves receive significantly lower settlements—often 40% less than those who use professional representation. Without expert knowledge of policy terms and claims procedures, it’s easy to undervalue damage, miss covered items, or accept unfair settlement offers.
Studies show that policyholders using loss assessors receive settlements that are 40-60% higher on average compared to self-managed claims. This increase typically far exceeds the loss assessor’s fee. We ensure every element of damage is properly documented, valued, and included in your claim.
First, take steps to prevent further damage and make the property safe. Then contact PCLA before speaking to your insurance company. We’ll provide free initial guidance on protecting your position and can attend quickly to document everything properly. Early professional involvement significantly improves claim outcomes and prevents costly mistakes.
Your insurer has their own assessor. Shouldn’t you have yours?
If you’re dealing with damage to your home, it can feel like the insurer holds all the cards. Long calls, confusing forms, and low offers can leave you drained and out of pocket.
Without expert help, weeks can slip by before repairs even start. Hidden damage might be missed, and your settlement could fall far short of what you’re entitled to.
At PCLA, we handle the claim from start to finish — assessing the damage, managing the paperwork, and negotiating directly with your insurer. We’re based right here in Northern Ireland and work only for you, not the insurance company.
Call PCLA to request a free claims survey. We’ll visit your property in Derry, review the damage, and take the stress off your shoulders — all on a No Win, No Fee basis.
FCA regulated • No Win, No Fee • 250+ five-star reviews
We attend properties across: