Clear, practical resources for homeowners dealing with property damage and home insurance claims.
If you’ve reported damage (or you’re deciding whether to), these guides explain what typically happens next, what to prepare, and when it may help to get support. They’re written to reduce uncertainty and help you make steady, informed decisions at each stage.
PCLA is an independent loss assessor that acts for the policyholder. These resources are educational and don’t replace advice from your insurer or policy documentation.
You’ve discovered an oil leak or smell at your property. What you do in the next few hours affects both your legal position and the value of your insurance claim. This guide explains the immediate steps to take, what your home insurance policy covers, why oil claims are frequently disputed, and how PCLA handles them for homeowners across Northern Ireland.
This is damage to your property that is not the result of a specific event, such as a fire or storm. However, not all home insurance policies include accidental damage as standard and those that do have certain exclusions.
