Resolve Your Commercial Property Insurance Claim in Edinburgh, With Local, Independent Experts
Has Damage or Loss Disrupted Your Edinburgh Business? Let Us Take the Strain
Whether it’s a flood, fire, storm, escape of water, theft, or business interruption, one thing’s certain: insurance claims can be a nightmare. Delayed responses, confusing paperwork, low settlement offers—it’s no wonder business owners across Edinburgh feel overwhelmed.
At PCLA, our local claims team puts you first. We’re not tied to any insurer. We work for you, fighting for the full settlement your business needs to get back on its feet. No win, no fee.
- Over 25 years of claims experience;
- Fast, personal site visits throughout Edinburgh;
- FCA-regulated & completely independent.
Speak to Our Edinburgh Experts Now!
Immediate help. No obligation.
Why So Many Edinburgh Business Owners Struggle With Insurance Claims
When your property is damaged or your business grinds to a halt, time is money. But insurance claims can drag on for weeks, even months. Many property owners tell us they’re left in the dark—forced to chase the insurer, unsure what’s covered, and worried about being short-changed.
We understand the frustration and stress. That’s why we offer a hands-on, local service—dealing directly with insurers like Aviva, AXA, Zurich, Direct Line, Allianz, and others. We prepare your claim, document every loss, and keep you informed from start to finish. Let us handle the stress, so you can focus on what matters most: your business.
Why Choose PCLA For Your Claim In Edinburgh?
| What You Get | Why It Matters |
|---|---|
| Complete property and business loss assessment | Ensures nothing is missed or undervalued |
| End-to-end claims management | Saves you precious time and avoids mistakes |
| Skilled negotiation with your insurer | Pushes for fair, full settlements—no more low offers |
| Local knowledge and rapid response in Edinburgh | Face-to-face support, quick turnaround |
| Evidence, paperwork, and compliance handled | Makes your claim watertight and stress-free |
| Guidance on business interruption and lost income | Protects your cashflow, not just bricks and mortar |
Are These Problems Sounding Familiar?
- Insurer’s settlement won’t cover all your repairs or lost earnings
- Unsure how to prove damage or business losses
- Claim is dragging on and you’re out of pocket
- Too busy to handle endless forms and phone calls
- Need to get your premises open again—fast
If any of these sound like you, let’s talk.
What Happens When You Call PCLA? Our Process Explained
Step 1: Contact our local claims team
We’ll listen, explain your options in plain English, and review your cover—no jargon, no pressure.
Step 2: Quick, on-site business/property assessment
We visit your Edinburgh premises promptly to check all damage—visible and hidden—and gather evidence.
Step 3: Detailed claim preparation
We handle the paperwork, create robust reports, and ensure every aspect—damage, lost inventory, loss of income—is included.
Step 4: Negotiation with your insurer
We deal directly with insurers (Aviva, AXA, Zurich, Allianz, Direct Line, and more), pushing back on any low or unfair offers.
Step 5: Settlement and your choice of repair team
You’re free to appoint your preferred contractors, or we can recommend trusted local firms—no obligation.
Why Edinburgh Property Owners Rely on PCLA
- Local experts, not a call centre;
- FCA-regulated and always independent;
- No win, no fee—pay nothing unless you get more;
- Clear, honest advice and regular updates;
- Many clients receive 30–60% more than insurer’s first offer;
- Trusted by business owners, landlords, and property managers across Scotland.
Let’s Help You Recover—Contact PCLA’s Edinburgh Team Today
Fast action. Zero risk. Real support.
Case Study: Getting Real Results for Edinburgh Businesses
Flood Recovery in Leith—From Stress to Success.
A small café owner in Leith faced severe flooding after a burst pipe, closing the doors for weeks. The insurer’s first offer? £16,400—barely enough to repair the floor, never mind replace lost stock and cover lost earnings.
PCLA stepped in. We surveyed the café, documented every detail (including hidden damp and ruined equipment), and calculated business interruption losses. Our negotiation with the insurer resulted in a settlement of £27,800—covering full repairs, lost earnings, and restocking.
- Initial insurer offer: £16,400;
- Final settlement with PCLA: £27,800;
- Time to resolve: 10 weeks.
“I was losing hope. PCLA handled everything—I finally got a fair deal and could reopen faster.” — Business Owner, Leith, Edinburgh.
See what we can do for your business…
Worried About the Process? Your Most Common Questions, Answered
How do I make a claim for commercial property insurance?
Making a commercial property insurance claim can be time-consuming and complex—especially if you’re already dealing with business disruption. Instead of trying to decode your policy and gather endless evidence alone, let PCLA handle everything for you. We’ll review your cover, prepare your claim from the start, and deal directly with your insurer or broker, ensuring nothing is missed and you get every penny you’re owed. Call our team now for practical advice and support with your claim.
What should I do if there’s an escape of water in my commercial property?
Quick action is vital when you discover water damage—every minute counts. While stopping the source and taking photos is important, the real difference comes from having experts manage your insurance claim. PCLA will document all the damage, handle every step of the process, and work to secure full compensation for repairs and lost business. Don’t leave it to chance—contact us now for a fast response and immediate help.
What are the next steps after reporting a property claim?
After you notify your insurer, you’ll likely face a waiting game as loss adjusters investigate and paperwork builds up. But you don’t have to do this alone. PCLA’s Edinburgh claims specialists step in to manage your claim, handle evidence, chase updates, and negotiate directly on your behalf. We keep your claim moving and your stress low. If you’ve reported a claim, reach out to us today and we’ll take care of the rest.
How can I handle existing claims for my commercial property?
Stuck in a slow or disputed claim? Many business owners feel powerless as insurers drag their feet. PCLA can step in at any stage—reviewing your existing claim, resolving issues, and fighting for a fair outcome. We’ll keep a detailed record and act as your advocate until the settlement is paid. If your claim is stalling, call us for a free review and real results.
What type of cover does my policy provide for buildings or contents?
Commercial property policies vary, and small print can hide big surprises. Whether you’re unsure what’s covered or need to check if damage or loss will be paid for, our experts can help. We’ll review your policy wording, explain your entitlements in plain English, and make sure nothing is left out of your claim. Contact us now for a clear, jargon-free review of your cover and a stronger claim.
How can I obtain repair estimates for a property claim?
Don’t waste hours chasing quotes and comparing contractors—PCLA can arrange trusted local specialists to provide thorough repair estimates for your claim. We make sure all the damage is fully assessed and that your insurer receives professional, detailed costs—helping to maximise your payout. Call today and let us sort the paperwork, so you can focus on your business.
What should I do if my commercial property is damaged by arson?
An arson attack is devastating, but you don’t have to navigate the aftermath alone. PCLA will guide you through reporting to police, documenting every detail for your claim, and gathering the right evidence. We’ll manage your insurance claim from start to finish, working for a full, fair settlement so you can recover. Speak to our Edinburgh team for immediate support and peace of mind after fire or criminal damage.
Don’t Let Insurance Worries Put Your Business on HoldStart Your Claim Today
Ready for help with your commercial property insurance claim?
Fast, friendly help. Zero obligation. Local support you can count on.
Types of Property Claims PCLA Can Help You With
When you experience property damage, you need fast, expert help—without the burden of navigating your insurance policy alone. We support homeowners across Scotland with a wide range of domestic insurance claims, providing trusted advice and full claims support from start to finish.
Loss Assessor
We assess property damage, prepare full evidence packs, and negotiate directly with your insurer to secure the best possible settlement. As your dedicated loss assessor in Edinburgh, we act on behalf of the policyholder—not the insurance company—so your interests always come first.
Claims Management
Our team handles every aspect of your claim: from documenting damage to liaising with loss adjusters and challenging low offers. We make complex claims management simple—eliminating paperwork, reducing delays, and ensuring you receive everything you’re entitled to under your policy.
Water Damage Claims
We help with burst pipes, leaks, and appliance failures, preparing detailed moisture reports and managing your escape of water insurance claim end-to-end.
House Fire Claims
From kitchen fires to smoke and structural damage, we carry out full assessments, compile evidence, and negotiate to secure your full fire damage entitlement.
Oil Spill Property Damage Claims
We assess domestic heating oil leaks and contamination, prepare specialist reports, and work to recover all clean-up and repair costs.
Septic Tank Damage Claims
We assist with claims for septic system failures and environmental contamination, documenting the cause and coordinating repair estimates.
Storm Damage Property Claims
We support claims caused by fallen trees, high winds, and roof damage, ensuring all visible and hidden damage is accurately reported.
Accidental Property Damage Claims
We help with unexpected events—from broken fixtures to dropped items—gathering photos, reports and handling all insurer correspondence.
Household Flood Damage
We handle claims for both external and internal flooding, including sewer backups, surface water ingress and heavy rainfall, ensuring no detail is overlooked.
Impact Damage Claims
We manage claims involving vehicles striking walls or structures, coordinating structural inspections and preparing reports insurers can’t ignore.
Theft and Burglary Property Damage Claims
We document all loss and forced entry damage following theft or vandalism, preparing accurate inventories and guiding you through the police reporting and claims process.
Get Help Today
PCLA are Independent Loss Assessors and Claims Managers who work solely for you—the policyholder.
We help homeowners and business owners across Edinburgh deal with sudden damage, water leaks, fires, and insurance complications. If you’ve suffered loss or disruption, we take the pressure off.
With over 25 years’ experience and a team of qualified surveyors, we handle every stage of the claims process—assessment, paperwork, negotiation, and repair coordination—so you don’t have to.
We act on your behalf to secure the full settlement you’re entitled to under your policy. No chasing calls. No second-guessing the process. Just clear, expert support from start to finish.
We make insurance claims easier, faster, and fairer.