When freezing weather hit Newry, one homeowner’s property suffered severe water damage after an attic pipe froze and burst. Within hours, water spread through ceilings, walls, and floors, making the house uninhabitable.
With professional help from PCLA, the homeowner received a £125,000 settlement to cover reinstatement, contents replacement, and temporary accommodation.
The Incident: Burst Pipe During Severe Cold
A feed pipe in the attic froze solid during a sharp drop in temperature. When it thawed, water escaped under pressure, causing significant internal flooding.
The homeowner, insured with AXA, contacted PCLA immediately for support managing the insurance claim. They needed expert guidance to record the damage, manage communications, and secure their full entitlement under the policy.
Our Immediate Response
Our team was already assisting multiple Northern Ireland homeowners affected by the same cold weather event. We acted quickly to protect the property and begin the claim process:
- Attended the site to assess damage and advise on preventing further loss.
- Reported the claim to AXA and arranged for the insurer’s loss adjuster to inspect the property the next day.
- Organised suitable alternative accommodation and obtained same-day insurer approval for associated costs.
Documenting the Full Extent of Damage
Once the property was safe and the drying process underway, we compiled detailed evidence for both buildings and contents claims:
- Buildings – Repair schedule covering structural works, electrical systems, plastering, and finishes
- Contents – Full inventory of damaged furniture, appliances, clothing, and personal possessions
By coordinating both elements of the claim, nothing was overlooked, and all losses were properly evidenced for the insurer’s review.
Settlement Outcome
Following structured negotiation and detailed reporting, the claim was approved for a total of £125,000:
- £80,000 for buildings reinstatement
- £45,000 for contents replacement
This settlement covered all reinstatement costs, household contents, and alternative accommodation. Throughout the process, PCLA provided a single point of contact, keeping the homeowner informed and ensuring steady progress from assessment to settlement.
Why This Matters for Homeowners in Newry
This case shows how quickly frozen pipes can cause major damage — and how professional representation can make the insurance process more manageable.
By appointing PCLA, homeowners benefit from:
- Fast, on-site response after damage occurs;
- Independent representation — we act for you, not the insurer;
- Expertise in buildings, contents, and accommodation claims;
- Clear communication and full claim management from start to finish.
Get Help After a Burst or Frozen Pipe
If your home in Newry or anywhere in Northern Ireland has suffered water damage after a burst or frozen pipe, our qualified team can help.
Call 028 9581 5318 for free, independent advice on your insurance claim.
PCLA is authorised and regulated by the Financial Conduct Authority.
