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Loss Assessors: The Law

Morgan Clark were the first firm of Loss Assessors to be authorised by the Financial Conduct Authority. We met all the criteria laid down as soon as the regulation scheme was launched in 2005.

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.

Before you appoint a Loss Assessor, you should ensure that they are a fully-regulated company listed by the FCA as ‘authorised’. If they are not, then it is possible that your insurance company will refuse to deal with them.

Checking this is very easy. Simply visit the FCA register and enter the name of the loss assessing firm in the box provided:

  • If you enter the name of many other loss assessing firms, you will see that they are listed as ‘Appointed Representative’ of another organisation. This means they do not comply with FCA regulations and they are operating under the umbrella of another company’s FCA registration. This can be an insurance broker or other financial services company who may not be completely independent and this may be detrimental to the outcome of your claim.
  • If you enter the name of the loss assessing firm and you cannot find their registration details, this means they do not have FCA authority and your insurer will refuse to deal with them. As a result, they will not legally be able to prepare and negotiate settlement of your claim.
  • While checking whether the firm is authorised, you should also look at how long it is since this was granted. Morgan Clark was the first major Loss Assessor to be authorised in 2005.

In short, your only protection if you decide to use a Loss Assessor is to ensure they are a fully authorised company. A company’s membership of a trade body is no guarantee of quality and offers you no protection.

Free Insurance Claim Advice

Need to speak to one of our experienced Loss Assessors about your insurance claim? We will:

  • Offer you independent expert insurance claim advice
  • Let you know what your options are
  • Give you tips to help get your claim resolved as quickly as possible

What our customers are saying about us

Dependable support

“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

Kevin Vickers

Dependable support
Fire Claim – Lancashire

“No areas of concern. It was done perfectly, to the point were we never even thought about the event because we knew it was left in the very capable hand of Morgan Clark who looked …”

Ian Bamforth

Dependable support
Fire Claim – West Yorkshire

“I was impressed by the standard of service I’ve received from Morgan Clark and would happily recommend them to anyone finding themselves in similar circumstances to mine. Settleme…”

L. Clements

Dependable support
Fire Claim – Cambs

“Without this service I would not of known where to start. The fire chief on the night gave me a card with morgan Clark details on and that was the start of me being able to deal wi…”

Mrs Devina Crane

End-to-end management

“They have been hugely responsive and sensitive to our requirements (and mental well being) as it has been a long process as my mother’s home dramatically caught fire on Chris…”

Fire Claim, Bridgend

Dependable support
Fire Claim – Somerset

“Following the fire I felt very anxious how I would be able to manage the restoration. My son arranged Morgan Clark following a visit to the site by a representative. I was not awar…”

C. Haines

Dependable support
Fire Claim – St Helens

“I cannot speak highly enough about the service I have received from Morgan Clark. At one of the darkest hours of our lives you were there and every member of the team has provided…”

Dr Robert Hirst

Dependable support

“I had a fire at a property i own some distance from my home. At the time i was caring for my elderly unwell mother. The company i needed to assist was definitely Morgan Clarke. Ini…”

End-to-end management

“We suffered from fire damage on a rental property, which was through no fault of ourselves or tenants. Rob Godlonton contacted us and explained what help Morgan Clark could provide…”

Ian Reynolds

End-to-end management

“We had a house fire in February 2023 which is right up there as possibly one of the worst things that can happen to you and your family when your home and security is taken away fr…”

Laura

End-to-end management
Fire Claim – Stockton on Tees

“The standard of service was very high. Keeping me informed along the way even when there was no major changes helped me feel that the whole claim was moving forward. Pino Musso was…”

Vishal Pancholi

Dependable support
Fire Claim – Westward Ho

“Very Professional. Settlement exceeded my expectations”

Michael Taylor

Genuine care
Flood Claim – Cambridgeshire

“Please thank Dan Norris. Dan is a very lovely person. My husband died at the start of this claim, and Dan was so kind and supportive and was always there to help me. I couldn’t ha…”

Janice Donovan

Dependable support

“I have already spent nearly an hour giving in detail my good experience with this company . cannot spend another hour to say it was all good.”

Prue Macpherson

Dependable support
Fire Claim – Middlesbrough

“Impeccable standard of service by MC. The settlement, without doubt, would not have been achievable without MC. Very straightforward to deal with and available to answer question r…”

John Hines

End-to-end management
Flood Claim – Tyne and Wear

“Forst class from the beginning to completion. Always available and helpful. Everything was dealt with professionally. Settlement exceeded my expectations”

Eric Wilkinson

Dependable support
Fire Claim – Manchester

“The process was exceptionally good throughout. Very professional and informative. Exceptional professional and communicative. Good and practical advice. Settlement exceeded my expe…”

Phillip & Jasmine Allsop

Dependable support

“After a burst pipe/escape of water in 2016 and having problems with the Loss Adjusters for the insurance company, an internet search brought me across Morgan Clark. From the very …”

Louise Tyler

Dependable support
Fire Claim – Swanley

“Without Gilbert we would not have been able to get through this traumatic experience. His advice and help has been immeasurable. We cannot thank him enough.”

Peter Hammond

End-to-end management

“I have nothing bad to say about Morgan Clarke (MC), and working with them, everything was good. Had a very unpleasant fire experience, not nice, place was a mess, phoned up MC, and…”

Nic T (Martin Thomas)

End-to-end management

“Morgan Clark – thoroughly recommended! We were totally inexperienced at making insurance claims, and uncertain how to manage anything after a serious fire. At first we wonder…”

Brigid Curtis

Genuine care

““Paul made the whole process so much easier than it would have been. He was friendly, patient and incredibly knowledgeable. Settlement exceeded my expectations””

Kerry Davies

Genuine care

“I just wanted to give a shoutout to Pino from Morgan Clark for his amazing help with my water escape insurance claim. The whole process was pretty tough, but Pino was always there,…”

Vivek Singh

Dependable support
Fire Claim – Farnham

“Spoke in words I could understand, and explained clearly all procedures. I felt comfortable asking any questions as I had never had to deal with anything like this. Made a difficu…”

A. Martin

End-to-end management

“Excellent service from beginning to end very informative at every stage , wouldn’t have been able to do anything with out them .”

Tracey Piddey

Dependable support

“Morgan Clark have been amazing guiding us through a fire trauma ensuring that we get what we needed and come home to our restored house and home”

Stephen Barnes

Dependable support
Fire Claim – Barwick

“I was kept very well informed. Settlement exceeded my expectations”

Wayne Agat

End-to-end management
Fire Claim – Hull

“Very pleased with the service, especially having had fire damage during these stressful times of travel restrictions. It was evident throughout that they were working on my behalf …”

N. Thakar

Weight lifted

“Martin Chapman and the team took the stress out of a bad situation. Options were explained in a language we understood and no decisions were made without seeking our permission fi…”

Shirley Hartnell

Dependable support

“Two successful insurance claims – one for fire damage in excess of £100k to a business property, one for £1000 where the insurers would not pay. In both cases, it’s likel…”

Dr Martin Breach

Dependable support

“Professional service from experts in their field, highly recommended.”

Iain Mack

Weight lifted

“From first contact to the last contact with Martin & Sarah at Morgan Clarke it was professional yet friendly, they could not do enough. Every time they would keep me informed …”

Mr Kevin Skelley

Weight lifted

“I have worked with Morgan Clark on more than one occasion. I truly believe customer satisfaction and providing all round exceptional service to the customer is their company ethos….”

J Hussain

End-to-end management

“I had a large fire at a rental property and a rep from Morgan Clark contacted me out of the blue to explain the services they could provide, at first it sounded too good to be true…”

Stephen Saunders

Dependable support
Escape Of Water Claim – Stoke on trent

“Having worked with Martin before, I knew I was in safe hands. He is always extremely professional, very helpful and knowledgeable.”

K. Morse

Dependable support

“First Class service!!!! Absolutely fantastic service from day 1. Nathan at the beginning helped advise me due to a house fire at the very beginning and his service was excellent. T…”

Mr McDonald

Genuine care
Fire Claim – Dewsbury

“Having never been through anything like this before it was re-assuring to know Pino was there to take the weight and liaise with my insurance company on my behalf. Great service wh…”

Victoria Gray

End-to-end management

“Morgan Clark are of diamond class – my experience started 3 years ago after a house fire and the team showed me the confidence from day one. I would probably need 5000 words …”

Jasbir Singh

Dependable support

“Extremely professional and helpful .A credit to your company.
I was kept very well informed.”

“Settlement exceeded my expectations.”

Fire Claim, Plymouth

End-to-end management
Fire Claim – Sheffield

“Martin was great throughout the process. We didnt really know where to start and Martin just took all the stress out of the process. He explained things well. His experience having…”

F. Parkinson

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

Find out what this protection means for you here.

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