When a hidden pipe leak caused major water damage in an Omagh home, the insurer initially rejected the claim. With detailed investigation and evidence from PCLA, the true cause was proven — leading to a £17,000 settlement for full reinstatement of the bathroom and kitchen.
The Incident: Hidden Leak Behind the Shower Wall
In July 2025, an Omagh homeowner noticed damp spreading across their bathroom and kitchen ceiling. They reported the problem to Aviva, whose appointed loss adjuster concluded the leak came from worn seals around the shower tray. As most policies exclude wear and tear, the claim was declined.
| Town | Peril | Cause | Settlement |
|---|---|---|---|
| Omagh | Water Damage | Leak from behind shower wall | £17,000 |
Why the Homeowner Contacted PCLA
Uncertain how to challenge the decision, the homeowner asked PCLA for a second opinion. With over 25 years’ experience managing water damage and insurance disputes, our Tyrone-based team reviewed the evidence and carried out an independent assessment.
Our role is straightforward — we act for homeowners, not insurers.
PCLA — How We Help
We manage the full insurance process so homeowners don’t have to.
Assess
Investigate
Evidence
Submit
Settle
Our Investigation
After discussing the sequence of events with the client, our surveyor:
- Conducted a full moisture inspection to trace the escape path.
- Identified readings consistent with a concealed pipe failure, not surface seal damage.
- Arranged for a qualified plumber to open the stud wall and verify the source.
The investigation confirmed the leak originated from a failed feed pipe within the wall cavity — a covered peril under the policy. A detailed report and photographic evidence were then submitted to Aviva for review.
Outcome: Claim Reinstated and Settled
Following review of our findings, the insurer accepted the new evidence and overturned the original decision. The homeowner received a £17,000 settlement, covering reinstatement of the damaged bathroom, kitchen ceiling, and finishes.
Throughout the process, PCLA handled all communication, ensuring the claim was properly evidenced and progressed without delay.
What This Case Shows for Omagh Homeowners
This case highlights how water leaks can be misdiagnosed — and how technical evidence can make all the difference. Independent assessment can turn a rejected claim into a fair settlement.
By appointing PCLA, homeowners gain:
- Independent representation — we act solely for you.
- Technical expertise in identifying the true cause of damage.
- Full claim management and negotiation support.
- Peace of mind knowing your claim is handled professionally.
Get Professional Help With Your Claim
If your insurance claim in Omagh or anywhere in Northern Ireland has been declined or delayed, speak to our team for free, no-obligation advice.
📞 Call 028 9581 5318.
PCLA is authorised and regulated by the Financial Conduct Authority.
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