Edinburgh Property Claims Loss Assessors by PCLA
We handle the hassle, you keep the payout. End-to-end claims support for homeowners—fast, fair, and fully independent.
Concerned Your Insurer’s Offer Is Too Low?
Many homeowners in Edinburgh settle too early. We work on behalf of the policyholder to secure the best possible settlement—managing your insurance claim from start to finish.
Why Edinburgh Homeowners Trust PCLA:
- No win, no fee service;
- On-site survey within 24–48 hours;
- Over 25 years of UK-wide claims experience;
- Fully independent and FCA-regulated.
What We Do for Homeowners in Edinburgh
If your home has suffered from fire, flood, storm damage or a water leak, we act as your dedicated loss assessor—managing your entire insurance claim on your behalf.
From the initial inspection to final payout, we deal with your insurer, document every detail, and coordinate any necessary repairs—so you can get back to normal life, faster.
- Free no obligation survey!
- Damage assessed within 24 Hours
- We compile all costs for you
- We manage the entire claims process
- We negotiate with the insurance company
- We're Certified Insurance Practitioners
- We're Qualified Building Surveyors
- All money goes to you, not us
- No win, No fee
Arrange your FREE claims review
How It Works
Step 1: Speak to an Edinburgh-based assessor
We listen to your situation, review your cover, and explain next steps.
Step 2: Property inspection within 48 hours
Our qualified surveyor assesses the full extent of damage—seen and unseen.
Step 3: Claim preparation
We compile all evidence, reports and costs ready for insurer submission.
Step 4: Direct negotiation
We manage all communications and push back on under-valued offers.
Step 5: Settlement and reinstatement
Once approved, you'll receive the settlement directly from your insurance comapny and you can restore your home..
What Makes PCLA Different?
| What We Do | Why It Matters |
|---|---|
| Work solely for you—not the insurer | Your interests come first |
| Handle your claim from start to finish | You avoid stress and admin |
| Offer local, on-site assessments | Faster response across Edinburgh |
| Regulated by the FCA | Professional, transparent and accountable |
| Help manage repairs | No need to chase contractors |
Real Results From Homeowners Like You
“Our flat in Leith had water pouring in from a burst tank upstairs. The insurer offered £12,500. PCLA stepped in, got a full survey done the next day and pushed the final payout to £18,900. We didn’t lift a finger.”
— Rebecca, Leith, Edinburgh
✅ Final payout: £18,900
⏱ Time to settlement: 8 weeks
We’ve helped homeowners like Rebecca. We can help you too.
Ready to Start Your Claim?
Step 1: Tell us what happened.
We’ll call you back within 30 minutes to explain what you’re entitled to—no fee, no pressure.
You don’t need to deal with the insurer. That’s what we’re here for.
Loss Assessor
We assess property damage, handle insurer negotiations, and fight for your full entitlement—without you having to chase forms or follow up calls.
Claims Management
From paperwork to contractor quotes, we manage every detail so you don’t have to. You’ll stay informed at key points, but we handle the heavy lifting.
Types of Property Claims PCLA Can Help You With
We help homeowners across Edinburgh with all kinds of domestic insurance claims. Whether it’s storm damage, flooding, or a leak that won’t go away—we’ve got you covered.
Common Perils We Handle
Water Damage
Water damage claims come in all forms. The most common include leaking pipes from showers and baths, dish washer leaks, washing machine leaks, and drainage leaks.
We thoroughly assess water-damaged properties across Scotland, skilfully navigate complex insurance policy terms, and persistently champion our clients’ interests to ensure they receive fair settlement offers for both immediate repairs and long-term remediation needs.
House Fire
One of the most devastating events that can happen to a family is when their home has been damaged by fire. Getting your life back to normal can be complicated and time consuming.
We thoroughly assess fire-damaged properties throughout Scotland, strategically challenge insurer undervaluations using British regulatory standards, and relentlessly advocate for comprehensive settlements that address visible damage, smoke contamination, and structural integrity concerns.
Oil Spill Damage
Oil Spill damage is probably the most underestimated and most devastating type of damage to your health and property.
If you think you may have an oil leak at your property, call Property Claims Loss Assessors (PCLA) today and arrange for one of our Assessors to visit your property to undertake a no obligation free survey.
We methodically document domestic oil spill contamination in properties across Scotland, manage the specialised environmental compliance requirements within British insurance frameworks, and persistently negotiate for settlements that cover both immediate cleanup costs and long-term environmental remediation needs.
Septic Tank Damage
Septic tank damage relates to any kind of physical harm or impairment that happens to a septic tank. If you suspect you have an issue with your septic tank, please call PCLA today. Our team of experts are dedicated to making the claims process as stress-free as possible, ensuring you receive the settlement you are entitled to.
We thoroughly assess damaged septic tank systems throughout properties in Scotland, expertly interpret complex policy coverage for underground utilities under British insurance standards, and diligently negotiate comprehensive settlements that address both immediate repairs and potential environmental compliance requirements.
Storm Damage
With the increasing amount of storms and the damage they cause, it is more important than ever to have a qualified professional, such as Property Claims Loss Assessors, acting on your behalf to represent you through the claim process.
We comprehensively document storm-related property damage across Scotland, skilfully navigate weather-specific policy exclusions common in British insurance policies, and persistently negotiate for settlements that fully address both immediate repairs and preventative measures against future weather vulnerabilities.
Accidental Damage Claims
If you have suffered any damage to your home or contents then your best course of action is to speak to us for advice, where we can tell you if your accidental damage incident is likely to be covered.
We meticulously document household accidents throughout homes in Scotland, strategically interpret accidental damage clauses within British insurance policies, and tenaciously negotiate fair settlements that address repair costs while challenging common insurer attempts to deny coverage based on wear-and-tear exclusions.
Household Flood Damage
Did you know that the average domestic flood claim is around £31,000? It is imperative that you have a qualified professional such as Property Claims Loss Assessors (PCLA) acting on your behalf should your property be affected by flooding and you need to make a claim.
We thoroughly assess flood-damaged properties across all Scotland flood risk zones, expertly navigate the complex Flood Re scheme and British environmental regulations, and persistently advocate for comprehensive settlements that address both immediate restoration and long-term structural resilience needs.
Impact Damage
Impact damage is exactly as it sounds, when something impacts your property and causes damage. The two main causes are from vehicles colliding with your property or heavy machinery, for example diggers, hitting your boundary wall.
We meticulously document all forms of impact damage to UK properties, skilfully navigate third-party liability provisions within British insurance frameworks, and persistently negotiate for settlements that cover both structural repairs and consequential losses resulting from vehicle collisions, falling trees, or other impacting objects.
Theft and Burglary
Unfortunately, theft and burglary claims are on the rise. Your insurance company may only be willing to pay for some of the stolen items. They might ask you questions, which if not answered correctly, might result in them withholding the full settlement. Contact us to get professional advice on your claim before contacting your insurance company.
We systematically document stolen property and security breaches throughout homes in Scotland, expertly interpret British insurance policy requirements regarding proof of forced entry and security measures, and tenaciously negotiate comprehensive settlements that address both material losses and necessary security enhancements.
Get Help Today
Questions People Ask Before Getting Help With a Claim
What’s the difference between a Loss Assessor and a Loss Adjuster?
We represent you, not your insurer. They send a Loss Adjuster to protect their costs. We work to maximise your settlement.
Can I handle my claim alone?
You can—but it’s easy to miss things. If the claim is complex or you’re busy, we handle it all and make sure nothing gets overlooked.
How much does it cost—and are there hidden fees?
In most cases, it’s no win, no fee. If we do charge, you’ll get a full breakdown in writing.
Will I get a better result with PCLA?
Most of our clients do. With proper evidence and negotiation, settlements are often 40–60% higher.
Do I have to chase anything?
No. We handle the entire process—documents, phone calls, quotes and follow-up.
Is this service available across Edinburgh?
Yes. We cover all areas—from Morningside to Leith, Corstorphine to Portobello.
What if I’ve already had a Loss Adjuster visit?
You can still appoint us. We’ll review the offer, and if it’s low, we’ll take over from there.
Still have questions?
Contact us today to find out how we can help with your claim.
PCLA are independent Loss Assessors and Claims Managers who act for you—not your insurer.
We’ve spent over 25 years helping UK homeowners deal with insurance claims after fire, flood, or sudden damage. Our experienced team takes over every stage—from inspection to settlement—so you don’t have to.
We’re regulated, reliable, and based right here in Scotland.
We make insurance claims easy.