About Morgan Clark

About Morgan Clark

Authorised and regulated by the Financial Conduct Authority

At Morgan Clark, we are proud to be the UK’s leading firm of Loss Assessors, providing expert claims management for individuals and businesses. With decades of experience in the insurance industry, our mission is to support policyholders through the complex and often stressful claims process, helping them secure the best possible outcome.

As independent Loss Assessors, we work exclusively for you, not the insurance company. Our team handles every aspect of the claim, from assessing the damage to negotiating with Loss Adjusters, ensuring that your claim is settled fairly and efficiently. Whether it’s a claim for fire, flood, storm, or another disaster, our specialists are here to help when you need it most.

Our Awards

At Morgan Clark, we are proud to be recognised across the industry for the quality of our loss assessing services and our commitment to supporting policyholders throughout the claims process.

We are multi-award winners, having been named Loss Assessor of the Year for four consecutive years (2023, 2024, 2025 and 2026). Most recently, in 2026, we were highly commended for Best Customer Service at the Modern Claims Awards. Additionally, we received the Best Customer Care Award at the Best Business Awards in 2025 and were honoured with the Best Customer Focus Award in 2023. We were also awarded Best Loss Assessors – Northern England in the Outstanding Claims Service Award (2025) category.

These accolades reflect the expertise of our team, our consistent service standards, and our focus on achieving fair outcomes for our clients when they need support most.

Why Choose Us?

    • Expertise and Experience: With over 25 years in the industry and thousands of claims managed successfully, our deep knowledge allows us to anticipate challenges and resolve issues before they become obstacles. Thanks to a focus on quality recruitment and exceptional staff retention, our team is widely recognised as the most experienced and dedicated in the industry – built on a foundation of integrity and an absolute commitment to our clients’ best interests.

    • Personal Service: Every claim is unique, and our approach reflects that. We assign a dedicated Loss Assessor and assistant to each client, establishing a direct line of communication for the duration of your claim. This ensures you receive tailored advice, efficient claim progression and deeply personal, expert care from start to finish.

    • Proven Results: Our track record speaks for itself. Exceptional independent reviews, client testimonials, and industry awards showcase our commitment to our clients. Morgan Clark has been recognised as ‘Loss Assessor of the Year’ for three consecutive years, alongside receiving the ‘Best Customer Focus Award’, ‘Outstanding Claims Service Award’ and ‘Best Customer Care Winner’ – these industry honours reflect our unwavering dedication and commitment to our clients

    • Integrity: Honesty and transparency are at the core of everything we do. We provide expert, unbiased advice to ensure you are equally and fairly represented against the insurance company’s Loss Adjuster. Just as you wouldn’t appear in court without a solicitor, you should not navigate a complex insurance claim without an expert by your side.

    • Tailored to You: We recognise that every client requires a different level of support. Whether you prefer to remain actively involved in the management of your claim or wish to delegate the entire process to our team, we adapt entirely to your preferences for a smooth, stress-free experience.

    • Stress-Free Process: Navigating an insurance claim can be overwhelming. Our experienced team handles the legal and administrative complexities for you, significantly reducing the time and energy required on your part. We absorb the stress of the claim so you can focus entirely on getting your day-to-day life back on track.

    • Professional Scale, Personal Service: With offices throughout England and Wales, we are positioned to serve clients wherever they are, ensuring swift and effective management of claims.

    • Commitment to Vulnerable Customers: At Morgan Clark, we are committed to supporting all customers, particularly those in a vulnerable position. We understand that factors like age or illness can make the claims process more challenging. In line with the FCA’s Consumer Duty, we have policies to ensure these clients receive the care and support they need. Our team is trained to identify vulnerable customers and adapt our approach to ensure fair and consistent outcomes for all. We are dedicated to treating every client with dignity and respect, read more here.

Using innovative Artificial Intelligence to enhance our service even further

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For years, Morgan Clark has guided clients through complex insurance claims to secure fair outcomes. Through our partnership with Claim Guardians, we’re now bringing AI-powered intelligence into the claims process – helping deliver deeper insight, greater clarity and stronger support when it matters most.

How AI helps our clients
Complex claims often involve hundreds of pages of complicated insurance policy documents, communications and multiple assessments. The Claim Guardians platform uses AI to:

  • Identify potential policy issues or gaps before they become obstacles
  • Organise evidence and documents to strengthen your case
  • Cross-check assessments against policy terms, precedents, and regulatory requirements
  • Prepare court-ready documentation on the rare occasion a legal resolution is needed

With decades of technical knowledge and negotiation skill, our teams can now combine their experience with AI-backed evidence, resulting in accelerated response times and fewer delays for the people who depend on us.

The story behind the partnership
Claire Massey founded the Claim Guardians platform after experiencing a devastating house fire in 2023. Despite 20 years in compliance and legal roles, Claire found navigating her insurance claim alone to be incredibly challenging. Determined to make the process fairer for anyone having to make a significant claim, Claire teamed up with entrepreneur Stephen Kavanagh to create a bespoke AI platform to help improve the insurance claim process for everyone.

When Claire approached Morgan Clark, we immediately recognised the AI platform’s potential. Together, we stress-tested the platform against real-world cases, ensuring it provided practical insights that truly strengthen our clients’ outcomes.

Why Morgan Clark
Claire chose Morgan Clark as the Loss Assessors she wanted to partner with as she appreciated our reputation for integrity and dedication to client advocacy. Together, our partnership demonstrates that when claimants have specialist Loss Assessors, supported by cutting-edge AI technology, on their side, they can approach even the most significant claims with confidence.

If you’re facing a complex claim, you now have access to both expert advocacy and cutting-edge intelligence. That’s the Morgan Clark difference.

 

What our customers are saying about us

Genuine care

“We lost our beautiful home to a fire, the following morning we had a few loss adjusters at out burnt out door. Nathan was not pushy and was patient and respectful, we signed up and…”

Amanda Sarson

Dependable support
Fire Claim – Bingley

“I was very impressed with the overall standard of service. I was having a very stressful time before the fire and was very grateful that I didn’t have to deal with the house …”

Emma Clough

Exceeded expectations
Fire Claim – Warrington

“Could not fault the service, exceeded all my expectations”

Karen Berry

Genuine care

“We cannot recommend Morgan Clark highly enough, the service they provide in often devastating circumstances is absolutely first class. When we encountered resistance from our insur…”

Paul Burns

End-to-end management

“Morgan Clark are truly brilliant! We appointed Morgan Clark at the outset of a complex property claim that ultimately took over a year to reach settlement. From the beginning, thei…”

Mr James

Dependable support
Fire Claim – Bromley, London

“Initially we were sceptical about the service offered, but once the decision was made, we realised it was the best way to go. We were never left in the dark. Sara was particularly …”

Mr D And Mrs J Buckstone

End-to-end management

“Professional from start to finish. Kept us informed throughout and dealt with all queries promptly. Dealt with all aspects of the major project taking some of the stress from us; i…”

Nicola

Dependable support

“I originally filed a claim with my insurance company for business interruption due to covid closures. For 9 months of closure they came back to me with a settlement of £200. As I …”

Stacey Fitchett

Weight lifted

“Really happy I got them involved with my claim they took a lot of stress out of a very difficult situation where open from the beginning about what was involved and what to expect …”

James Sinclair

Dependable support

“Expert advice which ensured our claim was settled legitimately and comprehensively”

Mr and Mrs Goodbody

Genuine care
Fire Claim – Merseside

“Mr Chapman handled my case so professionally yet with respect and sensitivity! He couldn’t have done it better!”

Mohsen Nikrooyan

Dependable support

“Communication and expertise are excellent. Kept up to date throughout the process together with regular updates”

Mr Phillip Allsop

End-to-end management

“I had a fire at my home around Christmas time causing extensive damage, you can image how stressful this is, what do I do, who do I contact, what’s going to happen now, will my i…”

Neil Kelly

Weight lifted
Fire Claim – Leeds

“We were very happy with everything. We felt completely looked after by Martin Chapman and that we could 100% trust him. Got the right builder and made it stress free for my family….”

Philip Howard

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

Weight lifted

“It was a relief to have an agent to deal with my claim on my behalf. Being flooded out of my house for ten months was an ordeal and, never having needed to pursue an insurance clai…”

Jill Moore

Dependable support

“Communication was first class. Sarah Lohan at the office and Martin Chapman in the field. Always available if not instantly but never failed to respond in a short space of time. W…”

Mike Graham

Genuine care
Fire Claim – Lancastershire

“Pino was always available to talk, and guided us through the process. Liased directly with the insurers and put our minds at ease. Settlement exceeded my expectations.”

J. Tyson

Weight lifted
Fire Claim – Derbyshire

“Very satisfied with the way my claim was dealt, I did not need to worry about the process. Rapid response to all my request. Settlement exceeded my expectations.”

S. Barszczewski

Genuine care
Fire Claim – Brinscall, Lancastershire

“Pino from the outset was amazing. He was reassuring and his approach enabled me to see the exit point from what was a very difficult time for me and my family. The (settlement) amo…”

John Simpson

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

“They did everything very well, managing total chaos as if that’s what they do all day, everyday – one of the best companies I have ever had the pleasure of dealing with…”

Nick Waugh

Dependable support

“The staff at Morgan Clark came to our aid after a house fire, during as you can imagine a very stressful time they on our behalf went into action, all the way through a 10 month pr…”

Dean Howells

End-to-end management

“Very helpful , very polite, great communication. Dealt with my claim from start to finish. No stress. Definitely recommend. If I have an issue in the future, I know where to come. …”

Charlie Lockwood

Dependable support

“The service provided by Morgan Clark was exceptional from from the start to the end of the claim. After agreeing to appoint Morgan Clark as our loss assessors, we did not have to w…”

Mr Ashfaq

Dependable support
Fire Claim – Ashbourne

“I have been very pleased with the standards of care and professionalism from Martin Chapman of Morgan Clark. Settlement exceeded my expectations”

Kieran Phelan

Weight lifted
Fire Claim – Chorley

“From the Initial visit to completion date I have been able to contact all of the parties involved, they have all been very helpful, friendly and efficient and was so pleased that I…”

Fidelis

Exceeded expectations

“Brilliant service would highly recommend.”

Advice Debt

End-to-end management

“While on holiday i hand a water leak in the loft which totally devastated my house from top to bottom. Obviously the size of the claim was quite substantial and the rebuild would b…”

Ian G

Dependable support

“Morgan Clark were very efficient, very supportive and very efficient in representing our claim. They navigated the difficulties of dealing with the insurers and came through. We co…”

Richard McNab

Dependable support

“I contacted them via their website and they still gave me a callback despite my claim size being under their threshold, and gave me contacts and advice on how to proceed.”

Bosh

Dependable support
Escape Of Water Claim – Norwich

“From initial call, site visit was quick and very informative. The overall standard for start to finish was excellent with all involved. Dan was very helpful through this very hard …”

Ian Jackson

End-to-end management
Malicious Damage – Lancashire

“Firstly I must thank Bill, who had used Morgan Clark’s services and suggested we make contact when we needed help. Standard of service is just wonderful taking all pressure and s…”

Marion Glen

Genuine care

“It makes me emotional when I try to explain what Pino, Bob,Martin and their teams have done for us. They literally held us up through what was the worst time in our lives. Their pr…”

Trudie Kinirons

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 – London

“This was my first experience of such a house fire and insurance claim and I was delighted to have Morgan Clark handle everything, taking do much pressure and anxiety away from me. …”

Margaret Magee

Dependable support
Fire Claim – Burnley

“The standard of the service was very good. I thought it took a long time to start the actual work but I realise my insurance company are slow at making decisions and there was the…”

Veronica Pearce

Dependable support
Impact Claim – Dorset

“Given the circumstances we could not ask for any more. Very helpful over a long period of very frustrating dealings with the Insurance Company and their Adjuster.”

P. Hillier

Exceeded expectations
Fire Claim – Chorley

“The service we received was above and beyond and we couldn’t have achieved what we did without them.”

Richard Roberts

Dependable support
Business Interruption Claim – Bournemouth

“Absolutely recommend David to anyone who is making a claim….could not be happier. Settlement exceeded my expectations.”

Dan Cattell

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

Find out what this protection means for you.

Authorised and regulated by the Financial Conduct Authority
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Authorised and regulated by the Financial Conduct Authority

Professional Memberships & Accreditations

Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.