When your property is damaged, dealing with the insurance company can feel daunting and confusing. PCLA are independent Loss Assessors based in Northern Ireland — we act for you, not the insurer. From our local team, we handle every detail of your insurance claim, ensuring the process is fair, transparent, and stress-free.
Serving Armagh, Markethill, Keady, Richhill, Tandragee, and the wider County Armagh area.
“The PCLA team managed everything from the first inspection to the final settlement, professional and reassuring throughout.”
FCA regulated • No Win, No Fee (10% + VAT) • 270+ five-star reviews
Do you have damage at home and 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 Armagh 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’re independent loss assessors. Our surveyors attend properties across Armagh city and the surrounding 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.
You don’t have to face your insurer alone. We handle the process, the paperwork, and the negotiation.
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 Armagh noticed the skirting boards in the utility room beginning to swell. They called a plumber, who suspected a concealed leak and recommended specialist leak detection. A leak detection engineer attended and traced the source to a mains feed pipe within the utility room floor.
The pipe was repaired, but by the time the leak was identified, moisture had spread extensively throughout the ground floor of the property. Floor coverings across the affected areas were required to be removed as part of the remediation works.
This case illustrates something important: subtle warning signs — swollen skirting boards, lifting flooring at the edges, or slight discolouration at low level — can indicate significant hidden water damage beneath the surface. Mains feed pipes carry water under pressure. When they fail within a floor or wall construction, water can spread through surrounding materials over a considerable area before the leak is found. The visible damage at the surface rarely reflects the full extent of what the water has reached.
We attended the property, carried out a comprehensive moisture survey of all affected areas throughout the ground floor, documented the full extent of the spread, and prepared a detailed schedule of reinstatement works.
The claim was settled for £31,006.74.
Case details shared with permission of the policyholder.
*based on Google reviews
Armagh is one of Northern Ireland’s oldest cities, with a building stock that reflects its long history. Georgian and Victorian properties, older terraced housing, and traditional stone-built homes sit alongside more recent residential development on the outskirts of the city. The character of the housing stock means that claims in Armagh often involve specific considerations that do not arise in the same way with modern construction.
Older pipework and concealed services. Many properties in Armagh, particularly in the city centre and the older residential areas, have pipework and drainage systems that have been partially updated over many decades. Original lead pipework, partially replaced heating systems, and drainage infrastructure installed under different standards can all develop faults in ways that are difficult to detect. Leaks from mains or heating pipes beneath floors or within wall cavities can spread significantly before they are found.
Traditional building materials. Older Armagh properties often feature lime plaster, stone walls, solid floors, and hardwood joinery. These materials respond to moisture differently from modern equivalents and can require more specialist reinstatement. Ensuring that the scope of works reflects the specific materials in the property — rather than a modern equivalent — is an important part of preparing the claim properly.
Solid and suspended floors. The city has a mix of solid concrete floors, suspended timber floors, and original stone or brick flooring in older properties. Where moisture enters beneath a solid floor or into the void beneath a suspended floor, standard visual inspection will not reveal the extent. Moisture mapping through the floor construction is needed before any reinstatement scope can be properly agreed.
Historic and listed properties. Some properties in and around Armagh city centre are subject to historic building designations or conservation area requirements. Where specialist reinstatement is required — or where the insurer’s standard reinstatement approach does not reflect the character of the building — this needs to be established clearly from the outset.
We handle property insurance claims for homeowners, landlords, and commercial property owners across Armagh city and the surrounding area. Claim types include:
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 typically 10% + VAT of the final settlement, agreed with you in writing before we begin. If the claim does not succeed, you do not pay. How our fees work
This means you can appoint your own expert from the start without having to find funds before the claim is resolved.
From our Northern Ireland offices we manage claims across: Armagh, Keady, Moy, Markethill, Tandragee, and the wider County Armagh region.
Did you know: Many homes in rural Armagh suffer from oil tank leaks or water damage during winter — we’ve helped numerous clients restore their homes quickly and fairly.
“PCLA were calm, efficient, and genuinely on our side from the first call.” — Armagh homeowner
You receive 100% of the final settlement offer and we only invoice you after you have been paid, so there is nothing to pay up front.
What the fee covers is preparation and negotiation: the full extent of the damage identified, evidenced and valued, then argued with the insurer on your behalf.
Insurers send their own loss adjusters to protect their interests; we work solely for you. Even small claims can hide hidden damage—like moisture in floors, insulation, or electrics—that often get missed. Having a local loss assessor means every loss is documented, nothing gets overlooked, and you’re protected from policy gaps.
It’s always best to contact us right away. The sooner we get involved, the more thoroughly we can document every aspect of your damage—before the insurer’s offer locks things in. Already started your claim? No problem. We can review your insurer’s settlement offer and, if needed, negotiate for a better result.
Absolutely. We serve Armagh and the surrounding area with fast, local response times. Our assessors know the region’s building types, common damage patterns, and contractor networks, so you benefit from deep local expertise and support—especially during storms, floods, or burst pipe emergencies unique to Northern Ireland.
On the contrary, we handle the claims process for you—from paperwork through negotiation—so you can focus on what matters most. Homeowners often tell us the greatest relief is having an expert manage the frustration, phone calls, and complex insurance language, making things simple and stress-free.
Yes—all UK loss assessors must be regulated by the Financial Conduct Authority (FCA). We display our FCA registration number openly (FRN 933781), and our team has decades of property insurance experience. You’ll have complete transparency and direct access to qualified experts who put your interests first.
Loss adjusters work for your insurance company. Their job is to assess the claim on the insurer’s behalf.
Loss assessors work for you.
Our focus is making sure the claim reflects everything your policy covers, identifying every detail of loss, seen and unseen, so nothing is missed through overlooked damage or confusing policy language.
Yes, and this is where we add the most value. Insurers may offer less than what your policy really covers or miss critical costs for full restoration. We analyse their offer, gather evidence, and negotiate directly so you can recover properly—even if you’ve started your claim.
We can do both. Our team can facilitate emergency work to secure your property after damage, advise on professional contractors, and manage all communications with your insurer—making recovery simple and seamless.
Contact us for a free claim review—no obligation, just peace of mind.
Get Expert Help with Your Claim!
PCLA act for homeowners — not insurers. We take care of your insurance claim from start to finish, ensuring you receive a fair settlement and peace of mind.
Call PCLA to Request Your Free Claim Review Today!
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 (10% + VAT)
