FAQs
Here are some of the most frequently-asked questions we receive:
The insurance company has appointed a loss adjuster. Why do I need Morgan Clark to prepare and manage my claim for me?
Loss adjusters are employed and paid by insurance companies to represent them and protect their interests – not yours. They will not prepare and present your claim for you: this is your responsibility, unless you employ a loss assessor to protect your interests. As well as calculating your loss and compiling your claim, Morgan Clark will negotiate with the loss adjuster on your behalf to achieve the highest possible settlement under the terms of your insurance policy.
What makes Morgan Clark different from other loss assessors?
We are different in many respects, but especially in how we prioritise claims. We treat all claims in the same way, regardless of size: small claims are not relegated to the bottom of the pile. We appreciate how important your claim is to you and we provide continuous help, support and guidance – from start to finish.
We also deal with your insurance company and their loss adjuster professionally, in a way many other loss assessors do not take. We adopt a non-confrontational approach which we believe achieves better results for you. Our professional approach generates mutual respect, which means we can deal more effectively with the insurer and settle claims more effectively.
We are committed to handling even the most difficult, complex or contentious claims, and we are not deterred by the excuses insurers can often use for rejecting or reducing claims.
Will my insurance broker help me with my claim?
If you arranged your insurance policy through a broker then, yes, they should be able to help you to some extent. But many insurance brokers simply do not have the time, resources or expertise to do this – which is why so many brokers recommend Morgan Clark.
When should I call in professional help?
As soon as possible – particularly as what you say or do at the beginning of a claim may have serious implications for the eventual outcome. At Morgan Clark, we prefer to work with you from the outset as this is when we can be most effective, but it’s never too late to call us in.
The insurance company has rejected my claim. Can they do this?
Yes, unfortunately in some circumstances they can. An insurance policy is a contract, or agreement, between two parties. So as one of those parties, if the insurance company considers that you have not kept to your side of the bargain then they can deny a claim – for example, if they believe the claim is not covered by the policy, or if they suspect fraud. This doesn’t necessarily mean they are right or justified in doing this and that is precisely where Morgan Clark can help: we will provide professional representation for you and fight to have your claim settled properly.
How long will it take to settle my claim?
There are no set timescales. Generally, a straightforward, non-contentious claim can take two to three months to be settled, while more complex and hard-fought claims can take longer. We have the incentive of not receiving any payment until you do, so you can be assured that we will progress your claim as quickly and forcefully as possible.
What will it cost me?
We charge a small percentage of the claim value, so unlike most other professionals our fees are directly related to performance. The difference we can make to the eventual size of your claim more than offsets our fees. There are no up-front fees and we fund our own time, which means we have a strong incentive to achieve the maximum settlement of your claim in the shortest possible time.
Our experience shows that the settlement we secure for our clients can be 30-40 per cent more than you would have received without our help. Furthermore, if you have a contentious or complex claim or if it has been rejected, we can make the difference between receiving a payment or nothing at all.
What will it cost me if I lose?
We make no charge for our services on the rare occasions that neither your insurer nor any other party is liable for your losses.
If the claim needs assistance from other specialists, who pays them?
You may need assistance from other specialists, such as surveyors, fire/flood restoration companies or architects. Where necessary, you are entitled to claim their fees from your insurer. However, it is very important that their remit and the level of their fees are agreed in advance. We will handle everything to do with this on your behalf.
