PCLA is an independent loss assessor, acting solely for homeowners and businesses in the UK following fire damage to their property.
We represent policyholders during fire insurance claims, — not insurers, to ensure claims are properly assessed, evidenced, and settled in full under the terms of the policy.
After a fire, insurers typically appoint a loss adjuster to investigate the damage and assess the claim on their behalf. Our role is to independently review that assessment, prepare evidence-backed reports, and negotiate the settlement in your interests.
Request a free fire claim review — no obligation, no pressure.
When a fire damage claim is reported, insurers usually appoint a loss adjuster to investigate the cause of the fire,
inspect the damage, and report on repair costs and policy coverage.
The insurer relies heavily on the loss adjuster’s assessment when deciding what will — and will not — be paid.
If damage is missed, undervalued, or excluded at this stage, it often leads to reduced settlements or prolonged disputes.
This is where independent representation becomes critical.
As independent loss assessors, we prepare, manage, and negotiate fire insurance claims on behalf of the policyholder.
We do not work for insurers and are not involved in claim cost control.
We assess all aspects of fire damage — including flames, smoke, soot, structural impact, and secondary damage — ensuring nothing is overlooked or dismissed as cosmetic.
Smoke and soot often spread far beyond the visible fire area.
We document damage to furnishings, electronics, decorations, and personal belongings that insurers frequently undervalue or exclude.
Water used by fire services or sprinkler systems commonly causes additional damage to floors, walls, electrics, and structure.
This damage is included and evidenced as part of the fire claim.
We prepare detailed, evidence-backed claim submissions and negotiate directly with the insurer and their loss adjuster
to secure a fair and accurate settlement.
Throughout the process, we act as your single point of contact and manage communication with all parties involved.
Insurance claims in the UK are regulated by the Financial Conduct Authority (FCA).
Insurers are required to handle claims fairly, promptly, and transparently.
Where claims are delayed, reduced, or unfairly rejected, disputes may ultimately be referred to the
Financial Ombudsman Service (FOS).
Our role is to resolve issues before escalation becomes necessary by ensuring claims are properly evidenced and negotiated.
Loss adjusters act for insurers.
A loss assessor acts for you.
Yes — we can take over at any stage. We review what’s been done, what evidence was used, and negotiate further where possible.
Most domestic fires are. We specialise in accidental fire claims, and know how to prove them under your policy.
Almost always. Our approach finds hidden damage, unclaimed items, and policy entitlements many homeowners miss.
No upfront cost. We work on a no-win-no-fee basis. Our fee is a portion of what we help recover — so we only benefit when you do.
We can help you understand shared damage or liability issues. We’ll guide you through how your claim interacts with neighbours’ damage and whether separate or joint claims apply.
Speak to an experienced loss assessor and understand your position before accepting any settlement.
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