Property Damage Insurance Claims

Loss Assessors · Property Claims

If your property has been damaged and you need to make an insurance claim, PCLA can help. We act for you — not your insurer — across the full range of property damage claims in Northern Ireland and Scotland. Find your claim type below.

Choose Your Claim

Find your claim type

Select the category that best matches your situation.
Each leads to detailed guidance on how PCLA handles that type of claim.

Storm damage

Roof damage, fallen trees, structural damage caused by high winds. Storm claims are among the most disputed in terms of what caused the damage and what the policy covers.

Storm damage insurance claim

Flood damage

Water entering the property from an external source, such as a river, surface water, or a burst water main. Different from escape of water and usually covered under a separate section of your policy.

Flood damage insurance claim

Oil damage

Oil leaks from domestic heating systems can affect flooring, walls, and soil around the property. These claims often involve specialist remediation alongside the insurance claim.

Oil damage insurance claim

Septic tank claims

Damage or failure related to a septic tank system. Cover depends heavily on the cause and the policy wording, and these claims can be complex to scope.

Septic tank insurance claim

Accidental damage

Sudden, unintended damage to the structure or contents of your property that is not caused by a specific peril. Cover varies significantly between policies.

Accidental damage insurance claim

Impact damage

Damage caused by a vehicle, falling tree, or other object striking the property. Usually a straightforward claim in terms of cause, but the scope of structural damage can be underestimated.

Impact damage insurance claim

Theft and burglary

Damage to the property and loss of contents following a break-in. Documenting what was taken and the damage caused at the time of discovery is important.

Theft and burglary insurance claim

Commercial property claims

Damage to a business premises, including business interruption where applicable. Commercial claims require a different approach to scoping and settlement.

Commercial insurance claims

Subsidence

Ground movement causing structural damage to the property. Subsidence claims are among the most complex and longest-running, and are often disputed on cause.

Subsidence insurance claims guide

Making a claim in Scotland

PCLA operates across Scotland from our Scotland office, covering Glasgow, Edinburgh, Kilmarnock, Motherwell, Stirling, and surrounding areas. All of the claim types above are handled in Scotland as well as Northern Ireland. For Scotland-specific information, see our loss assessors in Scotland page.

Not sure which type applies to you?

Property damage does not always fit neatly into one category, and some claims involve more than one type. If you are unsure, the best starting point is a free conversation with one of our team. We will tell you what we think the claim involves and whether we can help, at no cost and with no obligation.

Call 028 9581 5318 (Northern Ireland) or 0141 461 2406 (Scotland), or use the contact form below.