COVID 19 NOTICE: Virtual site visits allow us to assess your claim and offer you free advice remotely - read more

Insurance claims information and advice

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?

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

Loss Assessors: The law

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.

Loss Adjusters: Your questions answered

Anyone who has been involved in a major insurance claim, such as a fire or flood at their home or business premises, 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.

Insurance terms glossary

When you make an insurance claim, you may come across unfamiliar legal terms. Here we provide a brief explanation of the most common terms you may read in your insurance documents...


Here we answer the most common questions people ask when dealing with a major insurance claim...

Can we help you with your claim?

Find out in 60 seconds

Don’t just take it from us

Since 1999 we’ve been gathering feedback from customers, many of whom have allowed us to publish their experience with us.

  • Request a call back

    Fill out your details and we'll call you back

    How does the insurance claim process work?

    In most cases, a significant insurance claim will be a once in a lifetime experience and people tend to look for reassurance about what to expect over the coming months. To be fully prepared for what lies ahead, we would always recommend speaking to an industry expert. This page has be written to give policyholders a general understanding of the insurance claim process.

    How long will it take to get back into my property?

    We have found this to be a common concern and one that most policyholders struggle to get answered by their Loss Adjuster. Industry experts at Morgan Clark can determine a good approximate timeframe by talking through the basic details of your claim.

    Will I annoy my insurer by using Morgan Clark?

    If your insurer is trying to dissuade you from using Morgan Clark, you should question why they are against the idea of you being equally represented. A Loss Assessor can only help a policyholder claim for what is legally within their insurance contract - is their reticence based on them looking to settle your claim as cheaply as possible?

    How much will Morgan Clark charge?

    Our services are free to clients who use the services of the surveyors and builders we introduce them to. These professionals will be paid by your insurer as part of your claim, and in turn, pay us a management fee for running the whole project.
    Your claim is in good hands