Loss Assessor Services in Bangor, County Down

If your home or business has been damaged, dealing with your insurance company can feel confusing and stressful. PCLA are independent Loss Assessors serving Bangor and the surrounding area. We act solely for you, not the insurer — handling every stage of your claim so it’s settled fairly and without hassle.

Serving Bangor, Holywood, Donaghadee, Groomsport, Newtownards, Millisle, and surrounding communities.

028 9581 5318

“PCLA took control of our claim after a kitchen fire and achieved a full settlement far quicker than we expected.”

FCA regulated • No Win, No Fee • 250+ five-star reviews

Why Homeowners in Bangor Choose PCLA

When your property is damaged, your insurer appoints a Loss Adjuster to protect their interests. PCLA act for you, the policyholder — assessing the damage, preparing the claim, and negotiating the settlement directly with the insurer.

Call 028 9581 5318

You don’t have to face your insurer alone — we handle the process, the paperwork, and the negotiation.

Types of claims we manage in Bangor

From coastal homes in Donaghadee to new builds around Crawfordsburn and Conlig, PCLA manage insurance claims across the North Down area. We handle all major claim types including:

Water Damage Claims

PCLA handle claims for leaks, floods, or escape of water, ensuring the full extent of damage is properly documented and covered.

Burst Pipe Claims

When pipes burst unexpectedly, we assess the damage, organise reports, and manage the claim process from start to finish.

Fire Damage Claims

From small kitchen fires to major property losses, we record the damage and manage your insurance claim for full reinstatement.

Oil Spill Claims

We oversee claims following domestic heating oil leaks, including clean-up coordination and environmental reporting.

Commercial Property Claims

PCLA act for business owners dealing with damage or interruption to offices, retail premises, or industrial buildings.

Septic Tank Claims

PCLA manage claims for leaks, overflow, or contamination from septic tanks and private waste systems.

Learn more about our Loss Assessor services across Northern Ireland.

How We Manage Your Claim

  • Free Property Survey & Policy Review – We visit your property, assess the damage, and review your policy at no cost.
  • Evidence & Documentation – We prepare a detailed repair schedule and supporting reports — including photos and videos — ready for your insurer.
  • Negotiate & Settle – We liaise directly with the Loss Adjuster and insurer until your settlement is paid in full.

No Win, No Fee! – You only pay if your claim is successful.

Recent claims in Bangor

Storm Damage in Donaghadee

During high winds, roof tiles were blown off a semi-detached house in Donaghadee, causing water damage to ceilings and walls. PCLA carried out a full roof survey, produced repair estimates, and managed all discussions with the insurer’s Loss Adjuster. The claim was approved and paid in full within eight weeks, allowing full reinstatement before winter. Storm damage claim successfully managed by PCLA — Donaghadee, County Down.

Ballyholme Road, Bangor

A client experienced a burst pipe in their detached home in Bangor. PCLA sent leak detectors to find and fix the leak, then we managed the claim for water damage. The outcome: the client received everything they were entitled to.

Groomsport

A client suffered fire damage to their Groomsport townhouse. PCLA coordinated temporary accomodation and managed the insurance claim from start to finish. The outcome: the client was able to restore their home with no additional cost to them.

Bangor West

A client discovered water damage in their Bangor West apartment. PCLA arranged leak detection specialists to identify the source, then handled the full insurance claim. The outcome: the client received a complete settlement offer that enabled them to restore their home.

Bangor's Favourite Loss Assessor

*based on Google reviews

Why Choose PCLA

  • Our full-service local team will visit your property in Bangor within 24 hours.
  • PCLA Handle everything — survey, evidence, negotiation, settlement.
  • Experienced with all major insurers.
  • 250+ verified Google reviews.
  • FCA regulated and fully independent.
  • No Win, No Fee.
  • Decades of experience managing claims across Northern Ireland.

“They handled everything for us and kept us informed. Excellent communication from start to finish.” — Bangor homeowner

Fees & Peace of Mind

We work on a No Win, No Fee basis. Our standard fee is 10% of the final settlement plus VAT — nothing upfront.

Included:

  • Free initial survey and policy check.
  • Full claim management and negotiation with the insurer.
  • Settlement funds paid directly to you.

If your claim isn’t successful, you pay nothing.

FAQs – Loss Assessor Bangor

Loss assessors manage the entire claims process for you, from the first paperwork through negotiations. Bangor homeowners often tell us they feel instant relief knowing a local expert deals with insurers, handles frustrating calls, and pursues the maximum settlement—so you don’t need to become a policy expert overnight.

We work with everything from burst pipes and storm damage to fire and oil leaks—issues that commonly affect homes in County Down. Our team knows Bangor’s building types and local contractors, so we can advise quickly, document damage thoroughly, and speed up restoration.

Bangor clients regularly see improved offers. For example, we helped a local family increase their settlement by over £15,340 after their insurer’s initial low estimate. Because we understand insurance language and use specialist building surveyors, we find hidden damage others miss—putting more money in your pocket.

Yes—we provide remote and full-service options. If you’re travelling or committed elsewhere, our team keeps you updated but manages claims work, site inspections, and negotiations independently. Most Bangor clients simply sign once the settlement is final—saving weeks of personal time.

We offer rapid, local response for urgent cases—usually same-day for major damage like leaks or flooding. The faster we start, the better your outcome, since evidence is preserved and insurers can’t claim pre-existing damage.

Insurer-appointed adjusters and contractors work for the insurance company, not you. That can mean rushed repairs or minimised payouts. Our loss assessor team’s loyalty is to Bangor homeowners: we negotiate independently, ensure quality repairs, and guarantee every entitlement is claimed.

Generally, just your policy paperwork and a brief timeline of the damage event. If you’re missing documents or unsure, we’ll advise what’s needed and even contact your insurer on your behalf to streamline the process.

Yes—many accept first offers or miss secondary damage that appears weeks later. If you don’t challenge the insurer’s decision, you may lose out on thousands. We check for issues like water migration, insulation failures, and structural risks, not just surface repairs.

Absolutely. We provide straightforward progress updates by email or phone, depending on your preference, so you’re never left in the dark. Your peace of mind is as important as your claim result.

Just reach out for a free assessment. We’ll review your situation, explain options, and let you know if we can add value before you commit. No strings attached—just local, expert advice.

Need help? Contact us for a risk-free, expert review of your Bangor home insurance claim.

Areas we cover around Bangor

PCLA manage claims throughout Bangor and neighbouring towns including Holywood, Donaghadee, Groomsport, and Newtownards.

Did you know: Many homes in North Down suffer water damage from central heating systems — we’ve helped numerous clients restore their homes quickly and fairly.

PCLA also provide loss assessor services in nearby areas

Need a Loss Assessor in Bangor?

Get Expert Help with Your Claim!

PCLA act for homeowners — not insurers. We manage your property damage claim from start to finish, ensuring it’s handled fairly and settled in full.

Call PCLA to Request Your Free Claim Review Today!

028 9581 5318

About PCLA

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