A burglary at your home can be traumatic and leave you feeling violated.

Many issues need to be addressed, such as:

• Who will deal with the repairs to your home?

• How can you prove what has been stolen?

• How will you calculate your claim and who will arrange all the estimates and valuations?

• Who will co-ordinate and present the claim and deal with the daily telephone calls, meetings with the insurance company, loss adjuster, suppliers etc?

• How long will it take?

Unless you appoint a claims consultant like Morgan Clark, you as the policyholder are responsible for all of the above - and a lot more besides.

Don't forget - the loss adjuster works for the insurance company and is only interested in looking at the costs once they have been presented to him. He is not responsible for preparing your claim. Even if outwardly friendly and helpful, the loss adjuster reports to the insurance company and must settle the claim as economically as he can. Unless you happen to be an insurance expert yourself, you simply won't know whether what he is telling you is correct or not, or whether you are getting what you're entitled to.

The loss adjuster will look carefully at whether the insurance company can reject or reduce your claim by investigating whether or not you have complied with the policy conditions, such as having the right locks or whether you are underinsured. If the claim is accepted, more often than not the insurance company will try to insist that they replace all stolen items through their own network of suppliers - which may not suit everyone.

Even if you're able to reach agreement with the loss adjuster, it is becoming increasingly common for the insurance company to reject their recommendations and try to adjust the claim downwards.

Engaging specialists like Morgan Clark to look after your interests is the only way you can be truly sure that you receive your full entitlement. Click here to read more about how we can help you.

For a no obligation review of your claim by an experienced consultant, please call us on 0800 0975156 right now, or take a minute to complete our online enquiry form.