The Real Drivers of Home Insurance Claims (And Why Most Homeowners Are Looking in the Wrong Place)
Most homeowners worry about the wrong risks. Based on a year of real claims, this article explains what actually causes home insurance damage — and why everyday issues like hidden water leaks matter more than dramatic events.
Escape of Water Claim in Belfast – From £6,000 to £73,000 Plus Alternative Accommodation
A routine insurance claim turned into a major success for one Belfast homeowner when PCLA uncovered hidden water damage that the insurer’s first inspection missed — increasing the offer from £6,000 to £73,000 and securing paid alternative accommodation.
Water Damage Insurance Claim in Mansewood, Glasgow – How PCLA Secured a £10,900 Settlement
A Mansewood homeowner was offered just £700 for severe water damage — until PCLA stepped in. Our Glasgow loss assessors secured a £10,900 payout, ensuring full repairs and peace of mind. Learn how our independent team fights insurers and delivers fair settlements for homeowners across Glasgow.
What Can Invalidate House Insurance? Common Claim-Killing Mistakes
Hidden clauses in your home insurance policy could cost you thousands. This guide highlights the most common exclusions and limitations that insurers use to reduce payouts—and what you can do to protect yourself.
Your Home Insurance Claim: Cash Settlement or Reinstatement?
Facing a home insurance claim in Northern Ireland? The choice between cash settlement and reinstatement isn’t just about money – it’s about control, time, and peace of mind. Here’s what you need to know before deciding.
Home Insurance Claims: What the Indemnity Principle Means for You
Discover how the indemnity principle affects your home insurance claims in Northern Ireland. Learn what fair compensation really means and how to protect your interests.
Your Duty of Disclosure: What You Must Tell Your Insurer
Discover why your ‘duty of disclosure’ is crucial for protecting your home insurance in the UK. From past claims to renovations, learn exactly what you must tell your insurer – and when – to ensure your coverage stays valid. This article will help homeowners understand their responsibilities and avoid the common pitfalls that could void their insurance protection.
5 Things Your Insurer Won’t Tell You (But a Loss Assessor Will)
When disaster hits, the last thing you want is to get lost in confusing insurance terms and policy exclusions. Many homeowners face this challenge, often unaware of obstacles that can weaken their claims. Issues like unreported risks and the hidden effects of property modifications can all add to the complexity. Continue reading to learn about the five important things your insurer won’t tell you and why hiring a loss assessor might be the smartest move for your home.
What Was the Most Frustrating Part of Your Home Insurance Claim?
For many homeowners, the stress of a home insurance claim doesn’t come from the damage – it comes from the insurer. This blog explores the five most common frustrations people face, from delays to disputes, and includes a real example from Omagh where PCLA helped a homeowner turn things around.
Is It Worth Hiring a Loss Assessor for a Small Claim?
Think your home insurance claim is too small to worry about? Many Northern Ireland homeowners only realise the true cost once repairs are underway – and by then, it’s often too late to go back. This post explains why even a minor leak deserves expert attention, and how PCLA helped one Bangor couple boost their claim from £12k to over £18k.