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A free Northern Ireland home insurance claim starter pack: a step-by-step checklist, simple evidence plan, and key questions to ask early so you stay organised and avoid avoidable delays.

If you are close to appointing a loss assessor, the biggest uncertainty is often what the process will actually be like in practice. This page explains what happens when you appoint PCLA as your loss assessor, setting out the typical stages of working together, what we do at each point, what we need from you, and what you can expect in return. It also covers communication, fees, and what you are — and are not — committing to, so there are no surprises.

If your home has been damaged and you’re facing an insurance claim, it’s normal to feel unsure about what to do first and what really matters. This step-by-step guide explains the home insurance claim process in Northern Ireland in plain language, helping you understand the order of events, avoid common pitfalls, and recognise when additional support may be helpful. You do not need to understand everything at once — only the next sensible step.

After you report property damage to your insurer, the most difficult part is often the waiting. You may have a claim reference but little sense of when an inspection will happen, who is handling the claim, or what should come next. This guide explains what typically happens after you report a home insurance claim in the UK, what delays are normal, what is not, and how to ask the right questions to get clarity without escalating matters unnecessarily.

If you have damage to your home and you’re unsure whether to make an insurance claim or pay for repairs yourself, the decision is rarely straightforward. It usually comes down to the true cost of repairs, how your policy excess and cover apply, and the risk of hidden or worsening damage if issues are dealt with piecemeal. This guide walks through those factors using simple examples to help UK homeowners make a proportionate, informed decision.