Fire Damage Insurance Claims – Expert Help When You Need It Most

Your home has been damaged by fire. It’s overwhelming. The smell. The mess. The questions.
And now the insurer expects you to figure it all out. Alone.

You don’t have to.

We help homeowners across Northern Ireland take back control after accidental fires — by managing their insurance claim from start to finish. No confusion. No missed entitlements. No unfair offers.

Just expert support. Working for you, not your insurer. That’s what we do.

📞 Call now for free advice or request a callback. We’re ready when you are.

Over 240 clients have rated PCLA 5 stars on Google

Why You’re Better Off with a Loss Assessor

Insurance companies have loss adjusters. They protect the insurer’s interests.
Who protects yours?

We do.

As independent loss assessors, we:

  • Investigate and document the fire damage ourselves;
  • Identify smoke, soot, water, and structural losses insurers may miss;
  • Deal directly with your insurer, from claim form to final settlement;
  • Negotiate your full payout — nothing left on the table.

We’re here to make sure your policy works for you, not against you.
Even if your claim has already been denied or undervalued, we can help.

Fire damaged home Northern Ireland

Signs Your Fire Damage Claim Could Be at Risk

If any of these apply to your situation, speak to us now:

We understand the pressure you’re under. We’ve helped hundreds of homeowners in the same situation. Let us do the same for you.

What We Do — And How It Helps You

We manage the full claims process, so you don’t have to.

Fire Damage Claims Management

From notifying your insurer to negotiating your final settlement, we handle every step.

Smoke and Contents Damage

We assess soft furnishings, electronics, clothes, and personal items — even those with smoke or soot contamination.

Fire Clean-Up and Restoration Support

We help coordinate emergency clean-up and reinstatement works, and we gather accurate quotes from local contractors.

Water Damage Caused by Firefighting

If your home was soaked by hoses or sprinkler systems, we include that damage in your claim — even if it’s not obvious at first.

Temporary Accommodation & Disruption Cover

We make sure you access every entitlement in your policy — from hotel stays to meals, transport, and more.

Ongoing Communication and Representation

We liaise with the insurer, loss adjuster, surveyors, and contractors — keeping you informed without overwhelming you.

What Homeowners Say About PCLA

"We honestly didn’t know what we were doing. The insurer’s offer was half what we needed. PCLA sorted everything — and we got three times more than the original quote." — Jane, Belfast

Local Support, Backed by Real Results

We’ve helped families recover after house fires in: Belfast; Bangor; Derry; Lisburn; Newry; Antrim …and throughout Northern Ireland.

Terraced homes. Detached homes. Rented properties. Kitchen fires. Electrical faults. Chimney flue blazes. Partial loss. Total loss.
We’ve handled it all — and we’re ready to help you.

Why Homeowners Trust PCLA

  • We work only for homeowners — never for insurers;
  • We’re qualified, regulated, and experienced in complex fire claims;
  • We explain your options in plain English;
  • We manage everything — start to finish;
  • We maximise your settlement, not just process your claim.

Even if you’ve already started your claim — or if it’s been denied — we can help. You’re not alone in this. We’re ready to step in.

FAQs and common questions

Yes. We can step in at any stage — even if you’ve had an offer or rejection.

Most domestic fires are. We specialise in accidental fire claims and know how to prove your case.

In nearly every case, yes. We uncover losses and costs insurers often overlook or undervalue.

There’s no upfront fee. We work on a no-win–no-fee basis — and we only charge a portion of what we help recover.

This can complicate your claim. We’ll help you understand your responsibilities and how to handle shared liability or damage.

Ready to Talk?

Don’t let the insurer decide what your home — or peace of mind — is worth.

✅ Call us now for free advice

📩 Request a callback — we’ll be in touch within 1 working day 

What our client's say

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Get Free Claims Advice

Have you suffered property damage in Northern Ireland and need help making an insurance claim?

Our expert Loss Assessors specialise in helping busy property owners with all types of property damage claims.
Complete this form and one of our experienced claims professionals will call you back.

Please Note: We’re only able to service clients in Northern Ireland.