What Exclusions Could Invalidate Your Home Insurance Cover?
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.
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.