PCLA RESOURCES
Read practical articles on home insurance claims, policy terms and property damage, helping you understand your cover and the claims process.
19 Dec 2025
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.
18 Sep 2025
A Mansewood homeowner was offered £700 for severe water damage. PCLA’s Glasgow loss assessors secured a £10,900 payout, covering full repairs. Learn how our independent team works to ensure a claim is properly assessed, evidenced and presented for homeowners across Glasgow.
6 May 2025
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.
30 Apr 2025
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.
28 Apr 2025
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.
11 Apr 2025
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.
19 Feb 2025
As Northern Ireland embraces air fryers for economical cooking, a disturbing trend emerges. Air fryer ownership in Northern Ireland now runs well above the UK average, and the rise in fire incidents is causing alarm. One catastrophic case caused £80,000 of damage and a completely destroyed kitchen. Discover the hidden risks in your kitchen and learn how to protect your home and family.
8 Jan 2025
A costly oil tank leak could void your home insurance - discover what UK homeowners must know before disaster strikes.
2 Jan 2025
What a domestic oil spill means for homeowners in Northern Ireland: the property, health and environmental impacts, how to spot a leak early, and how an oil spill claim is evidenced and presented to the insurer.
13 Dec 2024
When storms strike Northern Ireland, knowing the right steps to take can make a real difference to your insurance claim. PCLA's comprehensive guide walks you through crucial post-storm actions, from immediate safety measures to documenting damage effectively. Learn how professional loss assessors prepare and present a storm claim on the policy wording and the evidence.
