Insurance claims information and advice

Expert advice from Morgan Clark

Whether you are a home owner, landlord or business owner, these pages have been created for you by industry experts at Morgan Clark to help you become better informed at the outset of your insurance claim…

What is the difference between a Loss Adjuster and a Loss Assessor? faq plus icon to expand accordian

Loss Adjusters and Loss Assessors are both insurance claim professionals, however, there is one key difference in their roles during the insurance claim process…

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Loss Assessors: The law faq plus icon to expand accordian

Loss Assessors work on behalf of policyholders when they need to make an insurance claim. By law, a Loss Assessor must be ‘authorised’ by the Financial Conduct Authority (FCA). This means they have met the stringent standards required to manage an insurance claim on behalf of a policyholder.

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Loss Adjusters: Your questions answered faq plus icon to expand accordian

Anyone who has been involved in a major insurance claim, will have likely come into contact with a Loss Adjuster. This guide will provide answers to the frequently asked questions relating to the role of the Loss Adjuster in the insurance claim process.

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Insurance Claim Process faq plus icon to expand accordian

At the beginning of a claim many people find it helpful to know what to be prepared for in the coming weeks and months. We have created an outline of the insurance claim process for homeowners, landlords and business owners so you can see what your claim is likely to involve.

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Free Insurance Claim Guides faq plus icon to expand accordian

Whether you have suffered a fire, flood or burst pipe to your residential or business property, you can read one of our in-depth guides explaining the steps you need to take and what to consider at each stage of your insurance claim.

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Let Morgan Clark take away the stress, resolve your claim as quickly as possible and ensure you receive everything you’re entitled to.

Popular Questions

What will my insurance company think if I appoint a Loss Assessor? faq plus icon to expand accordian

There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally within their insurance contract. Click here to read more about Loss Adjusters.

Doesn’t my insurance company manage my claim? faq plus icon to expand accordian

While many insurance companies will support you in the initial weeks of your claim, their only responsibility is to ensure costs are covered to restore your property and replace damaged contents, stock, machinery etc. (if applicable). As your claim progresses, you will be left with the most stressful and time consuming day-to-day elements to organise and oversee alone if you do not appoint a Loss Assessor.

What’s the difference between a Loss Assessor and a Loss Adjuster? faq plus icon to expand accordian

Loss Assessors and Loss Adjusters are both insurance claim professionals, but there is one key difference in their role during the insurance claim process; a Loss Assessor is appointed by and works exclusively for the policyholder, while a Loss Adjuster is appointed and paid by the insurance company. Loss Adjusters are expected to remain independent. Read more about the difference between Loss Assessors and Loss Adjusters here.

How much will this cost? faq plus icon to expand accordian

In the majority of cases we are able to represent our clients without charging a fee at all. Read how we are able to offer our services free of charge by clicking here.

What our clients say, in their own words

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Jim and Jan talk about their experience when a thatched roof fire practically destroyed their home and the crucial help they received from Morgan Clark.

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https://www.youtube.com/watch?v=mD80ZU3uh6s

When Jane had an explosion at her home she had no idea where to turn until she came across Morgan Clark and she is so relieved that she did.

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https://www.youtube.com/watch?v=pVkojmTz8wE

Mr Lund discusses his flood insurance claim and the incredible recovery he made with Morgan Clark on his side. The flooding was caused by a culvert becoming blocked

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https://www.youtube.com/watch?v=_xiqm-ojtMk

Ted and Wendy recall their experience when a firework caused a devastating fire at their home and they turned to Morgan Clark to restore their home.

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https://www.youtube.com/watch?v=y6lkvBglEyQ

When Rob and Catriona returned home from work to find their house filled with black smoke they realised they were in no position to handle their claim alone.

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https://www.youtube.com/watch?v=y1JW4ZY0cC0

With little response from the insurance company, Mr Scruby appointed Morgan Clark to run his fire insurance claim and is so pleased he did.

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https://www.youtube.com/watch?v=aXnjH4R8M7U

Mrs O’Halloran felt she had to come back to Morgan Clark when her house flooded for the second time because she knew what a difference it made the first time.

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https://www.youtube.com/watch?v=75jny_Z4znk

Following a major flood that destroyed vital stock and equipment Sharma turned to Morgan Clark to safeguard the future of her business.

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fca morgan clark

We are authorised & regulated by the Financial Conduct Authority (FCA)

This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.