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FAQs

What does a loss assessor do?

The process of settling an insurance claim for damaged property can be complicated and frustrating. You can appoint a loss assessor to represent you (the policy holder). Loss Assessors speak to the insurance company on your behalf and will manage your insurance claim. A Loss Assessor uses their expertise and specialist knowledge to get you the best possible settlement figure.

What can PCLA do for me that I can’t do myself?

Making an insurance claim is not always straightforward. A Loss Assessor will know what you can claim for and how to make sure you get your full entitlement. PCLA will provide advice and support to ensure you are fully aware of the claims process. It is our job to remove the stress and inconvenience of making a household insurance claim. We are Building surveyors and Certified insurance practitioners who will assess the damage to your property and draw up a schedule of loss. We work on your behalf, so that nothing is forgotten or overlooked. With PCLA working for you, we will ensure you get a fair settlement.

Why should I use PCLA?

When you make a claim under your household insurance policy, the insurance company will appoint a loss adjuster. PCLA will act as your loss assessor and negotiate your claim on your behalf, meaning you don’t have to deal with the insurance company or their loss adjuster. As an independent company with over 20 years experience, we know how to make sure our clients get their full entitlement. Remember, we work for you.

When should I appoint a loss assessor?

If you are considering making an insurance claim, please call PCLA immediately. The standard process is to appoint a loss assessor before filing an insurance claim. However, we can be appointed at any stage of your claim. Once appointed, we will assess the extent  of damage and manage the insurance claim on your behalf.

How much does a loss assessor charge?

At PCLA we believe in being upfront about our costs. Our initial survey is free. Even if our survey finds that it’s not actually a claim, there’s still no charge to you. If you appoint PCLA to manage your claim, we work on a ‘no win no fee’ basis. Once your claim is settled our professional fee of 10% plus VAT will be included in your settlement cheque.

Will making a claim affect my insurance premium?

If you make more than one claim in a short period of time your insurance premium may increase. However, a single claim should not affect your renewal premium. Contact us for further advice.

Do loss assessors only manage large insurance claims?

No. In fact at PCLA we are happy to deal with all types of claims, no matter than size. Just give us a call to find out how we can help you.

How long does it take for a household insurance claim to be settled?

From the date you appoint PCLA as your loss assessor, we aim to have your claim settled within 6-8 weeks. Depending on the size and complexity of your claim, this may take longer. If you have any doubts, please speak to us today and we can explain the claims process to you.

Do I have to meet the insurance company if I’ve appointed a loss assessor?

When you appoint PCLA to act as your independent loss assessor, we will contact and meet the insurance company on your behalf. However, there may be occasions where we recommend that you attend meetings alongside us. Generally, PCLA will manage your claim from start to finish and you will only deal with us. 

How quickly can PCLA complete the initial survey?

We aim to meet clients on the next available working day. However, we try to accommodate client needs as best as we can. Call us today on 028 9521 2991 to arrange a time that suits you.

Can I use my own builder?

In most cases you can appoint your own builder. However, some insurance policies state that the insurance company has the right to send their own team of contractors. PCLA will do everything we can to make sure you can use a builder of your choosing.

What if my home is uninhabitable?

Your policy may provide cover for alternative accommodation. Contact PCLA who can explain your options. For example, you may be able to rent another ‘like for like’ property or the insurance company may agree to cover the cost of a hotel.

Should I call the insurance company?

As loss assessors, it’s our job to call the insurance company on your behalf. We will be working on your claim and have lots of critical information that we need to submit to the insurance company. We will be able to answer any difficult questions the insurance company may have and be able to provide any follow up documentation.