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About Morgan Clark

Since 1999, Morgan Clark has successfully helped thousands of home and business owners manage complicated insurance claims. Over the years, we have recruited the industry’s most experienced and trusted Loss Assessors and become the UK’s leading firm of insurance claim professionals.

A history of exceptional service


We were established in 1999 by Phil Morgan and Tony Clark, who still actively lead the company today. Morgan Clark has grown steadily and are now the most well-respected loss assessing firm in the industry.


We are very proud to have been 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. In short, we led the field – and we continue to do so with our unique blend of technical expertise and negotiating skills.


The Morgan Clark Foundation was originally set-up by Phil Morgan to build a school for the children of a village in the North Bank of Gambia when their school building was destroyed by flood waters. As a company, Morgan Clark adopted The Foundation as their charity. We have fundraised to support the village ever since and have recently expanded into maternity and healthcare support for the region.


At the beginning of 2016, we were proud to be shortlisted by the Claims Innovation Awards for the category of ‘Best Loss Assessor of the year’. Our most recent feature in the media came only a couple of months later when we were asked by the Sarah Beeny At Home Magazine to write an article advising their readers how to make an effective insurance claim.


From one office in 1999, we now have several offices across the country. While the company as a whole has expanded, we have managed to retain many of our original staff, with the same directors and the same commitment to professionalism. We are able to offer our clients the backing of a national company with the care and convenience of their own local team.

What to expect following your initial consultation with us

As you will be speaking to an experienced member of staff, you might find you have all your questions answered over the phone. However, should you need further assistance, here is a typical outline of what happens next:

A local Loss Assessor will visit your property to assess the damage

The Loss Assessor assigned to your claim will ensure you are fully informed about what to expect

Along with your Loss Assessor, you will appoint your Chartered Surveyor and Building Contractors

Your Loss Assessor runs the insurance claim process and manages your team during the reinstatement of your property

As a result of years of experience, our Loss Assessors adopt a non-confrontational approach to negotiations with insurance companies and their Loss Adjusters. By far and away, we find this method gets the best results for our clients.

Can we help you with your claim?

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Morgan Clark in the media

Morgan Clark is the UK’s leading firm of Loss Assessors. We are regularly asked for expert opinion on major incidents in the UK by newspapers and broadcast media including:

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    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