When your home or business suffers property damage, it’s easy to feel overwhelmed by the insurer’s process. PCLA act as your independent Loss Assessor in Dungannon, managing your insurance claim from start to finish and representing your best interests.
Over 270 five-star Google reviews!
You have damage at home and you need to make an insurance claim. You may have already spoken to your insurer, or you may be at the very beginning of the process, trying to understand what to do next.
Most homeowners in Dungannon do not know they can appoint their own expert before the claim begins — before the insurer sends anyone to assess the property, before any scope of works is agreed, and before any figure is put on the table. That is what PCLA does. We are independent loss assessors. Our surveyors attend properties across Dungannon and the wider mid-Ulster area in person. Our job is to make sure your claim is properly prepared from the start.
Thinking about making a claim? Speak to PCLA first. Fair claims start here.
PCLA acts exclusively for the homeowner. Our work on a claim covers three things:
Assess the claim.
We attend your property, look at the cause and extent of the damage, and review the policy position. We tell you what the claim is likely to involve, what your policy may cover, and where the points of difficulty are likely to be.
Evidence the damage.
We document the damage with photographs, moisture readings, and technical reports. Where hidden damage is suspected — under floors, behind plasterboard, inside wall cavities — we carry out the survey work needed to establish the true extent before any scope of works is agreed.
Negotiate the settlement.
We prepare and submit the claim, handle all correspondence with your insurer and any loss adjuster they appoint, respond to queries, and negotiate the settlement on your behalf.
You do not manage paperwork, meet the insurer’s assessor, or negotiate the figure. We handle that for you.
A homeowner in Dungannon noticed damage developing to the lower wall plaster in the bathroom and arranged for a leak detection specialist to investigate.
The leak was traced to the waste pipe beneath the bath — concealed within the floor construction and invisible to a standard inspection. By the time the visible damage had become apparent, moisture had already spread from the bathroom into the adjacent bedroom and through to the hallway. Floor coverings throughout the affected areas required removal as part of the works, along with specialist drying before reinstatement could begin.
This is a common pattern with concealed waste pipe failures. The waste pipe beneath a bath or shower tray runs through the floor structure and can leak slowly for an extended period before the damage breaks through to visible surfaces. The initial damage in the bathroom — deteriorating plaster at low level — may appear to be a contained issue. Once a proper survey is completed, the moisture spread into adjoining rooms is often significantly greater than the visible damage first suggested.
We attended the property, surveyed all affected areas including the bedroom and hallway, documented the extent of moisture spread throughout the floor construction, and prepared a detailed scope of reinstatement works.
The claim was settled for £24,338.35.
Case details shared with permission of the policyholder.
Dungannon is a market town in mid-Ulster with a varied housing stock that includes older terraced properties in the town centre, post-war housing estates, and private developments that have been built across the surrounding area over recent decades. The town’s position in the heart of Tyrone, with significant agricultural and rural property in the surrounding area, means that claims can arise from a wide range of causes and property types.
Concealed waste and drainage pipework. In many properties — particularly those built before modern plumbing standards — waste pipes from baths, showers, and W.C.s run through floor voids or within wall cavities without accessible inspection points. Faults can develop slowly over time, and because the pipework is hidden, the first indication is often water damage to surrounding materials rather than a visible leak. A proper investigation is needed to establish what has failed and how far the moisture has spread before any scope of works is agreed.
Suspended timber floors and hidden moisture. Many mid-Ulster properties have suspended timber floors, particularly on the ground floor of older homes. Where moisture enters the floor void beneath a suspended floor — from a pipe failure, rising damp following a flood event, or condensation — it can affect joists, floorboards, and sub-floor timbers over a significant area. Moisture readings within the floor construction, not just at the surface, are needed to properly assess the extent.
Rural properties and older building fabric. Properties in the wider Dungannon area — including rural townlands and smaller settlements like Coalisland, Moy, and Donaghmore — often involve older construction materials and building methods. Older drainage systems, traditional plasterwork, and original roofing materials can all complicate a claim, and the reinstatement works needed may be more involved than a like-for-like repair in a modern property.
Storm and water ingress. Mid-Ulster can be subject to significant rainfall and wind events. Storm damage claims require clear evidence of cause — that the damage occurred as a result of the specific weather event rather than as a result of pre-existing wear or deterioration.
PCLA help’s homeowners and businesses in Dungannon and across County Tyrone with property damage insurance claims. Our team assesses the loss, prepares all claim documentation, and negotiates directly with your insurer to secure a fair settlement.
If your claim type is not listed here, contact us and we will tell you whether we can help.
The earlier you involve a loss assessor, the more useful they can be. The best point to make contact is before you report the claim to your insurer, or at least before any assessment or survey has taken place on the insurer’s behalf.
Once a loss adjuster has attended and an initial scope of works has been agreed, it becomes harder to revisit areas that were not properly documented at the outset. If you contact us before that stage, we can ensure the damage is fully recorded, the claim is properly prepared, and you are in the best possible position from the start.
If a claim is already under way, or if you feel the settlement offer you have received does not reflect the full extent of the damage, we may still be able to help. Contact us and we will advise you on the position.
PCLA works on a No Win, No Fee basis. There is no upfront cost to appointing us. Our fee is a percentage of the final settlement, agreed with you before we begin. If the claim does not succeed, you do not pay.
This means you can appoint your own expert from the start without having to find funds before the claim is resolved.
We attend homes and businesses across Coalisland, Moy, Aughnacloy, Cookstown, Donaghmore and Benburb.
Yes. Our team regularly supports homeowners and businesses throughout Dungannon and rural Tyrone. We know how local properties are built and the common problems people face here, so you get advice that’s truly relevant to Dungannon.
When you contact us, we prioritise urgent cases in Dungannon. Often, we can come out the same day for emergencies such as burst pipes or fire damage, and within two days for routine claims. Immediate help means a stronger claim from the start.
You only pay a fee—10% plus VAT—if your claim is successful, and it’s taken from your final settlement, never upfront. We provide a free initial visit and honest advice at no charge, so there’s no risk or hidden costs for Dungannon clients.
Actually, our job is to simplify things for you. We know insurance paperwork can be confusing, and we take away the hassle—handling the phone calls, the reports, and the negotiations from start to finish, so you can focus on getting back to normal.
Definitely. Even if a loss adjuster from your insurance provider has been, you’re entitled to appoint us to act for you. We’ll review what’s happened so far, safeguard your interests, and make sure you’ve not missed out on anything your policy covers.
Yes—every claim, big or small, should get proper attention. People in Dungannon often miss out on the true cost of repairs, hidden damage, or claimable losses. We make sure nothing is overlooked and that insurers pay what you’re genuinely owed.
We have a strong track record in Dungannon and across Tyrone, helping clients get fair and often much higher settlements than expected. We work for you alone, never the insurance company, and our expertise in negotiating claims delivers real results.
Act fast: limit further harm and take clear photos if you can. Then, ring PCLA before contacting your insurer. We’ll guide you on next steps, arrange a free assessment, and make sure you get everything lined up for a successful claim.
If you have property damage and you are thinking about making a claim, speak to us before the process begins. We will tell you what your claim is likely to involve, whether your policy is likely to respond, and how we can help.
There is no charge for the initial conversation and no obligation to proceed.
Fair claims start here.
Property Claims Loss Assessors Ltd (PCLA) are independent Loss Assessors helping homeowners and businesses across Northern Ireland secure fair insurance settlements.
We’re fully insured and FCA regulated (FRN 933781).
Trusted by policyholders, landlords and commercial clients.
PCLA – Loss Assessor | Insurance Claims | No Win-No Fee