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.
Air Fryer Dangers: What Northern Ireland Homeowners Need to Know About Fire Risks and Insurance Claims
As Northern Ireland embraces air fryers for economical cooking, a disturbing trend emerges. With 48% of NI homes now owning these appliances—far exceeding the UK average—the rise in devastating fire incidents is causing alarm. Recent data shows the average air fryer fire claim reaching £29,555, with one catastrophic case causing £80,000 in damage. Discover the hidden risks in your kitchen and learn how to protect your home and family…
Garden Oil Tank Leaks: What UK Homeowners Need to Know About Insurance Claims
A costly oil tank leak could void your home insurance – discover what UK homeowners must know before disaster strikes.
House Fire Insurance Claim Tips
If you’ve experienced a house fire, then you’ll need to understand the insurance claim process. These essential tips will ensure quick, fair settlements and maximise your insurance benefits. Read on to ensure your home recovery is smooth and stress-free.
Insurance and Oil Spill Cleanup: What Homeowners in Northern Ireland Need to Know
This blog looks into the challenges domestic oil spills pose for Northern Ireland homeowners, offering prevention tips and emphasising the importance of professional assistance. Learn why expert help is crucial for maximising your insurance claim and safeguarding your home against potential environmental and financial impacts.
Protecting Your Oil Tank to Prevent Costly Leaks
Domestic oil tanks are common in Northern Ireland homes but carry risks of costly leaks. Learn practical prevention steps, explore real case studies, and get expert advice on managing oil leaks effectively to protect your property and finances.
Dining Room Water Damage: How Nearby Plumbing Leaks Can Ruin Your Space
Water damage is a silent intruder that can devastate a home before its full impact is realised. A single plumbing leak can lead to structural damage, ruined finishes, and complex insurance issues, particularly in open-plan homes. At PCLA, we’ve witnessed the far-reaching effects of such damage. Take, for example, a case from Ardboe in May 2024, where a seemingly minor leak spiralled into disaster, affecting the dining room and hallway. Discover how leaks in one room can wreak havoc in another and learn how to protect your home from similar fates.
Living Room Soaked from Upstairs Bathroom: Making Water Damage Claims in Northern Ireland
When bathroom water cascades through your ceiling, the damage can be devastating. Through this Belfast case study, discover how professional loss assessors transformed an inadequate insurance offer into a comprehensive settlement. Learn the crucial steps for protecting your rights and securing fair compensation for water damage in your Northern Ireland home.