Glossary Term

What is alternative accommodation in home insurance?

Alternative accommodation is the temporary housing your insurer may pay for if your home becomes uninhabitable due to an insured event, such as fire, flood, or storm damage. It ensures you and your family have...

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Loss Guard FAQs

Loss Guard FAQs Broker FAQs Letting Agent FAQs What is Loss Guard? Loss Guard is a free membership scheme for brokers. It gives your policyholders access to Morgan Clark's experienced team of Loss Assessors for...

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Glossary Term

What is a policy limit?

In insurance, a policy limit is the maximum amount your insurer will pay out for a covered claim. It represents the cap on your financial protection under the policy. If the cost of repairing or...

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Case Study

Damage from burst pipe: £48,000 buildings, contents and alternative accommodation claim

An escape of water from a pipe on the second floor of Mr & Mrs Rawlinson’s luxurious large London house caused substantial damage throughout the property. Ceilings fell down in the entrance hall, while plaster...

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Case Study

House fire: £150,000 buildings, contents and alternative accommodation claim

When Mr & Mrs Biggs decided to have part of their roof of their West Midlands house replaced, they employed a reputable company to carry it out. The job was going extremely well when, suddenly,...

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Case Study

House fire: £210,000 buildings, contents and alternative accommodation claim

Mrs Wood was alone on a Saturday night in her house in Gloucestershire. She had just gone to bed when she heard a roaring noise: she looked out of the window and saw smoke pouring...

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Case Study

House fire: £225,000 buildings, contents and alternative accommodation claim

Mr & Mrs Osbourne’s lives were devastated following a chimney fire in the loft of their large house. The roof and master bedroom were completely gutted, and there was extensive smoke and water damage throughout...

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Case Study

Thatched cottage fire: £229,000 buildings, contents and alternative accommodation claim

Mary Richardson’s beautiful 17th century thatched cottage was completely destroyed after a fire caused by the wood-burning stove. The cottage, which was a listed building in an Area of Outstanding Natural Beauty, was her pride...

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Case Study

House fire: £199,000 buildings, contents and alternative accommodation claim

Mr & Mrs Lucas had just completed a refurbishment of their three-bedroom house in Surrey. They had installed a new kitchen, and only eight days earlier had laid a new wooden floor. While this work...

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Case Study

Thatched cottage fire: £528,000 buildings, contents and alternative accommodation claim

Mr & Mrs Bolden were watching rugby on television when a neighbour noticed smoke coming from their thatched roof. Within minutes, the roof was alight and their home was rapidly reduced to a blackened shell:...

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