If you ever need to make a claim on your home, landlord or business insurance, it’s likely that you will come into contact with a Loss Adjuster. This is someone who is appointed by your insurance provider to investigate your claim on their behalf. A Loss Adjuster will do this by visiting your property or […]
As the UK’s weather patterns become more erratic, flooding is affecting increasing numbers of homeowners throughout the country. Flood experts estimate that if your property is situated in a flood risk area, you are 30% more likely to experience flooding, the consequences of which can be disastrous, both emotionally and financially. However, with a bit […]
As we head into the heart of winter, the weather is getting colder every day. It is at this time of year that water pipes are most susceptible to freezing, which can lead to a leak. There are several reasons why water pipes might burst as the weather gets colder, but there are a few […]
A fire in the home can occur at any time, without warning. Even with the best precautions in place, no property is immune from the risks of fire and the often irreversible devastation and heartbreak it can cause. The following UK fire statistics have been compiled to draw attention to the risks of house fires, […]
The week beginning November 18th is Electrical Fire Safety Week. With Fire Rescue Services across country gearing up to raise awareness of electrical fires, there’s no better time to check you know how to keep your home safe. We all use electricity in our day to day lives. From charging our phones and watching TV […]
With the weather in the UK becoming less predictable and more severe, now more than ever business owners need to be proactive in mitigating flood risk. Here are some practical steps business owners can take to do just that. Check your insurance policies Your buildings, stock, equipment, fixtures and fittings insurance will offer cover in […]
Burst water pipes are one of the most common home insurance claims that homeowners make, but what causes them to burst? And, more importantly, how can you prevent the pipes in your property from bursting? A burst pipe is usually the result of changes in temperature. When water freezes in a pipe, it can expand […]
Candles may not seem like a huge fire risk – after all, many of us enjoy lighting a candle or two in the evenings – but it’s important to use them with care. Even if you regularly burn candles, make sure you are always taking the necessary precautions to protect your home and the people […]
With over 200 people losing their lives to chimney fires in the UK last year, chimney fires are a risk all homeowners should be aware of. The recent Chimney Fire Safety Week, which took place during the first full week of September, focused on raising awareness of the risks associated with chimney fires – and […]
Next week is the NFCC Home Safety Week. Taking place from Monday 30th September until Sunday 6th October, the annual event aims to raise awareness of fire hazards in the home. The week is organised by the National Fire Chiefs Council and each year’s campaign focuses on a different aspect of home fire safety. This […]
Next week is NFCC Business Safety Week. Introduced by the National Fire Chiefs Council, the campaign week provides an opportunity for Fire and Rescue Services across the country to raise awareness of the support and help available to UK businesses. Each year, Business Safety Week focuses on several main themes to help businesses ensure they […]
Next week is Chimney Fire Safety Week. Beginning on Monday 2nd September and running through Sunday 8th September 2019, Chimney Fire Safety Week is celebrating its 11th year this September. Here is everything you need to know about the week ahead of the upcoming event. Raising awareness of chimney safety First introduced in 2009, Chimney […]
Floods in the UK may be rare, but they can have devastating consequences for those who are affected by them. According to Flood Guidance, 1 in 6 UK homes is at risk of flooding and, when flooding does happen, both homeowners and business owners alike can be left dealing with major damage to their properties […]
Are you going away this summer? Make sure you protect your home so you don’t come back to any nasty surprises. The summer holidays are here again as another school year has come to an end. Before students all over the country begin preparing to head back to school – or to take their places […]
It is hard to imagine anything more devastating to a family home than the effects of a fire. Thankfully, with the advance of fire-resistant materials, the improvements in smoke alarms and better public awareness thanks to the fire service, we are seeing a drop in the overall number and severity of fires over time. It […]
If you’ve suffered a fire, flood or burst pipe in your home, you’ll probably need to make a claim on your home insurance. It’s likely that you’ll be in a state of shock but, when dealing with such an incident, it usually pays to contact your insurance provider promptly. But how long exactly do you […]
Until the day comes that you need to make a major insurance claim, you will probably never worry about the term ‘underinsurance’. Sadly though, if you are under-insured and you have to make a claim this can have a devastating impact on your settlement and even put your whole claim at risk, and here’s why: […]
Most standard home insurance policies will cover you for fire damage to your home, but you may not be covered in every scenario. While most policies will cover fire damage to both your home and your possessions inside of it – including any smoke damage that occurs as a result of the fire – there […]
Next week is Boat Fire Safety Week. The annual awareness event will be taking place from Monday 27th May to Sunday 2nd June 2019 – here’s everything you need to know about Boat Fire Safety Week. What is Boat Fire Safety Week? Boat Fire Safety Week is one of the many fire and rescue […]
If you’ve taken out business interruption as part of your business insurance policy, there will usually be a material damage proviso. But what exactly is a material damage proviso and how does this relate to the rest of the business interruption insurance policy? What is Business Interruption Insurance? Before considering the material damage proviso, […]
Next week, April 29th to 5th May, is Drowning Prevention Week. Here’s everything you need to know about the event, why it matters and what you can take away from it. What is Drowning Prevention Week? Drowning Prevention Week is an annual event led by the National Fire Chiefs Council (NFCC), a service set […]
If your home insurance claim doesn’t go as smoothly as you’d hoped, you may end up needing the help of the Financial Ombudsman Service. This may be the case if your insurance company refuses to pay you – or isn’t paying you the full amount – or if you have any other dispute about the […]
According to a report by the Association of British Insurers (ABI), home insurance claims have the lowest success rate of any insurance claims. While car insurance claims have a 99% success rate, only 79% of home insurance claims are paid out by insurance companies – meaning more than one fifth of claims are unsuccessful. Knowing […]
Today, Wednesday 13th March 2019, is National No Smoking Day. The day takes place every year to help raise awareness of the benefits of quitting smoking, and to help those who wish to put down the cigarettes for good. Everybody knows the health benefits of quitting smoking, but it’s not just your body that could […]
If you’ve suffered a fire, flood or other damage to your property, it goes without saying that you want to get it fixed as quickly as possible. That’s where home insurance comes in. By taking out a home insurance policy, you can go about your day to day life with peace of mind that your […]
It’s Valentine’s Day and, tonight, people will be lighting candles up and down the country to set a romantic mood. However, a romantic evening in can quickly turn into a disaster if proper care isn’t taken around candles. A little extra care can be the difference between a truly romantic Valentine’s Day and one you […]
It may be February already, but the winter is due to stick around for a while. With another bout of cold weather on the way, some experts are predicting that we could be facing our coldest winter yet – and it’s not good news for our homes. With the colder weather going nowhere soon, it’s […]
Surprisingly, when a fire breaks out in a property, one of the biggest risks to life and property is from the smoke and soot it emits. Smoke damage can be devastating and the effects aren’t always visible at first sight, which is why you may need to call in a professional. Here’s what you need […]
When the weather gets worse, there are a few extra precautions you might want to take to protect your property. As well as the increased risk of burglary due to the darker nights and fire hazards posed by Christmas lights and decorations, the winter weather can cause damage to your home – especially the pipes. […]
Whether you’re making a claim for fire damage, a flood, a burst water pipe or something else, every homeowner hopes that their insurance claim will end in a fair settlement. But it isn’t as straightforward as being reimbursed for the costs and damage incurred – there are different ways you can choose to settle your […]
From candles to Christmas trees, Christmas can be one of the most dangerous times of year for fire. A little preparation and planning ahead can help you avoid having your holidays and home ruined during the festive season. Here are some of the fire risks you’ll want to pay extra attention to during the Christmas […]
If you’ve experienced a fire, flood, escape of water, or other disaster in your home, chances are your biggest concern is getting your life back to normal as soon as possible. It is vital that you receive the full payout you are entitled to from your insurance company, any repair works are carried out to […]
When a business is hit by a flood, fire or other disaster, the company’s work will usually be interrupted for some amount of time while repairs, assessments and other procedures are taken care of. Sometimes this will only put the business out of action for a few days or weeks, but sometimes it affects the […]
Halloween is approaching, but it’s not just pumpkins, witches and werewolves that you need to look out for. Halloween falls just a couple of days after the clocks go back – and the time of year when the number of burglaries across the UK increases. Even though October 2018 is National Home Security Month, it’s […]
If your business suffers a financial loss because of physical damage to your business premises, you may be covered by business interruption insurance. This can cover damage caused by a fire, water damage, or a natural disaster such as a hurricane or earthquake, as well as theft or any other physical damage to the property. […]
This October, National Home Security Month (NHSM) is back for its fourth annual event. Taking place throughout the month, October 2018 will be all about keeping your home safe. Here’s what to expect and why it’s time to start thinking about how secure your home is. What is National Home Security Month? NHSM is […]
When you make a claim on your home insurance, your insurance company will follow a number of steps to reach a decision on how much compensation you should be paid. Before being able to make you an offer for the damage caused, they will need to investigate the claim and assess the total loss caused. […]
Business interruption insurance is there to give you peace of mind that, should anything prevent your business from operating for a period of time, you won’t have to worry about a complete loss of profit. If you’ve taken out business interruption insurance and something should happen to your business’s property, your insurance will cover you […]
Today we’re talking to Martin Chapman, a Morgan Clark Loss Assessor based in the North. Martin has been working in the insurance sector for nearly 25 years and has experience in both domestic and commercial claims. Before joining us, Martin worked as an insurance adjuster, meaning he has experienced the insurance claims process from both […]
A summer holiday is something that many of us look forward to all year long. It’s a chance to escape, relax and spend some quality time with our loved ones. But nothing can ruin a trip more than coming home to find something terrible has happened to your home while you were away. It’s something […]
Claiming on your home insurance can be a long and complicated process, but at least it should end in a positive outcome. But what if it doesn’t? Aside from the obvious damage to your property, a rejected home insurance claim might make you feel like many hours of liaising with your insurance company and dealing […]
We can all be guilty of thinking that fire would never affect us or our properties, but fire claims are some of the most common home insurance claims. Even if you have adequate home insurance, nobody wants to experience a fire in their home, but the good news is there are certain measures you can […]
Flooding can be one of the most devastating things to happen to a home. If your property and its contents have been damaged or destroyed by a flood, the insurance claims process can be especially complicated and may take a long time. Even though experiencing a flooded home can be an emotional time, it pays […]
A claims adjuster – also known as a Loss Adjuster – is an insurance professional employed by insurers to help with the claims investigation process. Since home insurance claims tend to be large and complicated, the claims adjuster takes on the role of investigating the claim and its validity on behalf of the insurance company. […]
As anyone who’s ever had to make a home insurance claim knows, it can be a lengthy and complicated process. But what goes on during the process and why can insurance claims become so protracted? After you make a claim on your home insurance, your insurer will begin investigating the claim. There are a number […]
Making a home insurance claim can be a long, complex process. Whether you’re dealing with a water leak or claiming for fire damage, the damage to the home and everything in it can be extensive and even irreparable. For this reason, having an insurance claim denied can be a very costly affair in an already […]
If you’ve suffered a fire in your property, dealing with the home insurance claim and the complicated claims process is probably the last thing you feel like doing. These tips for dealing with a fire insurance claim will help make the process as stress-free as possible and increase your chances of a successful insurance claim. […]
Are you making a home insurance claim for a water leak? If so, here are some things to consider. Home insurance claims are rarely straightforward, but water leaks can be an especially tricky area to navigate. A water leak could be caused by any number of issues, but you might be surprised to learn that […]
If you’re claiming on your home or contents insurance for the first time, you’re probably wondering how long your insurance claim will take. Even if it’s not your first home insurance claim, making a claim can be a stressful experience and you’ll want to know when the stress of the claims process will be over […]
Morgan Clark is delighted to announce that we have been named as a finalist in the Insurance Post Claims Awards 2018. Morgan Clark is among four companies in the Loss Adjuster/ Loss Assessor of the Year category, which includes Crawford & Company, Davies Group and QuestGates. Returning for their 8th year, the Claims Awards 2018 […]
If you ever make a sizeable claim on your home insurance, there’s a good chance you’ll come across a Loss Adjuster at some point. You may already know that a Loss Adjuster is an external actor employed by the insurer, but what is their role in the claims process and why do insurance companies appoint […]
It’s that time of year when the risk of a burst pipe is at its greatest, but a burst pipe can happen at any time. Water damage claims are one of the most common types of insurance claims, but that doesn’t mean you don’t need to be prepared if it happens to you. If you’re […]
When you make an insurance claim for fire, flood or other damage to your property, there is a good chance that your insurer will involve an insurance adjuster in the process. An insurance adjuster – or loss adjuster, as they are also called – is hired to investigate and assess the validity of your […]
I had to check the date recently as I thought the world had suddenly fast-forwarded to April 1st. But no, it’s December – and the latest scheme to stop flooding may be unbelievable but it is absolutely true. According to an article in The Guardian, a valley in the Forest of Dean is going to […]
We’re off to buy our Christmas tree this weekend. Then I’ll be going up into the loft to find the fairy lights, which have been tucked away for a year, and will be keeping my fingers crossed that they are still working. After that it will get the full treatment, accompanied by a mince pie […]
For the past few years, a growing number of councils across the country have been turning off street lights to save money. I’m not much of a late-night person, but apparently my own local council is now turning off hundreds of lights between the hours of midnight and 5.30am in the winter, and 1am and […]
There were angry scenes at a Parliamentary committee recently – and it was all to do with something we’ve written about in the past. The subject under discussion was the safety of certain Whirlpool tumble driers sold under the brand names Creda, Hotpoint and Indesit. We wrote in March that some machines had been bursting into flames, […]
We all need to remember to put our clocks back this weekend. Apart from the fact that we get an extra hour in bed, I always find this really sad. It brings darker evenings and means that winter isn’t very far away. But apparently there are other worrying aspects about the clocks going back. According […]
The responsibilities of residential landlords have been very much to the forefront of the news recently, specifically following the catastrophic events at Grenfell Tower. Whatever type of landlord you are – even if you just let out a single dwelling – you need to be aware of what is required of you to ensure your […]
I’ve got the chimney sweep coming tomorrow, which must mean it’s getting close to the time when we will light our open wood fire. We don’t use it very much, but I’m very careful about ensuring we have the chimney swept regularly: at Morgan Clark, we see all too often the terrible after effects of […]
Across the country, parents are waving a teary goodbye to their offspring as they head off to university for the first time. I remember it well, and I also remember the constant worry once they’ve gone: what are they doing, are they happy and, perhaps most of all, are they safe? One of the biggest […]
We’ve warned before about the dangers of just going for the cheapest home insurance you can find. Recent news about the rising cost of home insurance means it’s a good time to issue this warning again. According to Consumer Intelligence, whose data is used by the Office for National Statistics, home insurance premiums are rising […]
We are all now so aware of the fact that terrorism can strike anywhere at any time. The recent appalling attacks in and around Borough Market – which is a wonderful place to visit – were just the latest in a growing list of horrific random acts in unlikely places. Following the attacks, Borough Market […]
We went to a family barbecue at the weekend. Being a bit old-fashioned, we were very scathing about the fact that the host was using a gas barbecue. But in fact it produced beautifully-cooked lamb and chicken (although you might say it lacked that normal charcoal flavour – and the added ‘crunch’!). There were lots […]
It would seem that the catastrophic fire in Grenfell Tower was caused by a faulty fridge freezer. It is so overwhelmingly sad that such a common item could have led to this terrible tragedy. The Electrical Safety First organisation is a registered charity which aims to improve safety regulations and ensure safety messages are appropriate. […]
It’s hard to believe that Flood Re has been in operation for over a year, and it has just issued its first Annual Report. This government-backed scheme, which we’ve written about many times, was launched in 2016 after years of wrangling and is designed to provide affordable flood insurance for properties in high-risk areas. According […]
Some people think that insurance is boring. Well, we don’t think so – and certainly some recent news from insurance giant Aviva shows it can be just the opposite. They’ve released a list of the most unusual insurance claims they’ve received over the last 10 years from high net worth clients. The most bizarre was […]
Apparently rents are going down. According to a recent report, this is particularly the case in London, which has been such a hot spot for rentals over the last few years. But it’s also been reported that many London landlords are now turning their attention to other parts of the country rather than expanding their […]
So yet another piece of insurance legislation has arrived. The new Enterprise Act 2016 came into force last week and is aimed at ensuring that insurers do not drag their heels unreasonably when negotiating a commercial insurance claim. We’ve written about this before and we applaud the sentiment behind the new Act. But, in common […]
Nearly six years after the riots of 2011, a major change in the law came into force last week. This overturns the very out-dated Riot (Damages) Act 1886 and addresses many of the complaints which arose in the wake of those dreadful events. It became abundantly clear at the time that the old law simply […]
We wrote back in December about a new scheme to provide businesses with affordable flood insurance. Launched by the British Insurance Brokers’ Association (BIBA), it was put together to overcome the fact that the Flood Re scheme for affordable flood cover didn’t cover the commercial sector. Last week, BIBA presented its scheme to the All […]
It’s been very difficult listening to the news recently, with so many terrible things happening. As an organisation which is involved in the fire industry, we would particularly like to express our heartfelt condolences to everyone who has been affected by the Grenfell Tower tragedy. It’s hard to find the words which really convey how […]
The first ‘named’ storm of the winter had now hit the UK, with Storm Angus causing chaos across the south of England. We’re already on the spot in the worst-hit places, helping people with their insurance claims as the waters subside. It’s the first real incident since the introduction of Flood Re and let’s hope […]
We wrote last year about the launch of a pilot scheme to help consumers compare insurance firms. The results have now been published. The Financial Conduct Authority (FCA) launched the scheme because it’s becoming increasingly difficult to find the right insurance product at the right price, to understand whether special offers for add-on products are […]
The recent threat of a tidal surge along the east coast of England was dramatic but thankfully it didn’t cause the flooding predicted. Some unfortunate residents did see water coming into their homes but many escaped with no damage. We know from all the times we’ve worked with people in flood-hit areas that one of […]
Happy New Year! It’s definitely a better January for many this year than in 2016, when households across the country were faced with the aftermath of devastating storms. But we’re now hearing warnings of arctic weather on the way, so we would urge everyone to make sure their homes are protected from the big freeze. […]
At last: after years of being left out of plans for flood insurance, there’s firm news for businesses at risk of flooding. The British Insurance Brokers Association (BIBA) has this week launched an affordable flood insurance scheme for businesses. One of the key gripes about Flood Re, which was launched earlier in the year, was […]
I witnessed a heated argument at the weekend between two friends, one of whom also works in the insurance industry. She knows from experience how dangerous it is to leave electrical appliances unattended while they’re running. So she was horrified to hear that the other friend often leaves a dishwasher or tumble dryer going when […]
Following on from our recent blog about the safe running of electrical appliances, there have been some new safety guidelines issued regarding tumble driers. If you own a Hotpoint, Creda or Indesit tumble drier manufactured between April 2004 and September 2015, then you need to check immediately if your model is affected. Tumble driers sold […]
When storms Desmond and Eva hit in the winter of 2015/2016, we reported that businesses had been hit very hard, with around half of all insurance claims made by the commercial sector. This makes the findings of some recent research rather depressing news. According to Towergate, over the last five years two thirds of small […]
We’ve written in the past that it might happen, but now it might be nearly here: insurers are trying to use social media to assess the risk of their policyholders. It was all over the press recently and while at the moment it’s for car insurance (which we don’t get involved with), other insurance cannot […]
With winter approaching, there’s lots in the news about floods. Firstly, the new scheme for affordable flood insurance, Flood Re, has now been in operation for six months and apparently 53,000 properties have been protected through it, which is great. And having started with 16 insurers, there are now 41 providing cover to high-risk properties […]
As loss assessors, we know the difference we make to the speedy and effective settling of an insurance claim. But it’s not always easy to prove this – until now. One lady’s experience shows just how hard it is to handle a claim by yourself – and how much easier it is if you hand […]
One of the biggest criticisms of the new Flood Re scheme, which came into force earlier in the year, is that it doesn’t cover small businesses. We’ve written lots over the last few years about this: Flood Re has been introduced to provide affordable flood insurance for properties in high-risk areas, but it excludes businesses, […]
Following the devastating floods of the winter, we’ve been helping lots of people and businesses with their flood insurance claims. It’s now fantastic to see them going back into their properties and getting their lives back on track. In the wake of the floods, the Government initiated a review which has now been published. The […]
I’m just back from holiday and a lovely time was had by all. And it seems that lots of my friends have also been away: I know that because I’ve seen their posts on Facebook, Twitter and Instagram, with scenes of blue seas, tropical paradises, Italian trattorias, French vineyards, golf courses…. Despite the fact that […]
I was meant to go to Lyon recently for a weekend away but it was cancelled because of the French railway strike. If we had managed to go, we would have stayed in what looked like a luxurious apartment in the centre of the city, which we found online through Airbnb. Airbnb seems to be […]
We all know it’s been an incredibly wet summer so far, and our hearts go out to those who have been flooded over the last few weeks. But there’s another dangerous issue associated with these heavy summer storms: the threat of lightning strikes. It seems we’re being hit extremely hard by this stormy weather. One […]
We’ve been helping a lot of homeowners and businesses affected by the winter floods with their insurance claims. Sometimes these claims are more complicated than others, particularly when something crops up which no one could have predicted. One such case happened with a business claim we handled for a bed centre based on the ground […]
I’m very proud of my new allotment and we’re just starting to reap the benefits of all the hard work we’ve put in over the last 10 months. But I am absolutely convinced that some of my broad beans have disappeared: I’d left them to get even plumper the previous afternoon and when I went […]
As I’m sitting here, it’s getting towards the end of June and it’s absolutely tipping down with rain. There have been severe weather warnings for a week or so, and now there are reports of flash flooding across the country, including in the West Midlands and Devon. These days, heavy rain is all too often […]
So referendum day has arrived: this Thursday the country decides whether we stay in the EU or leave. The arguments have been played out in front of us but most of us probably made up our minds which way we would vote some time ago. We may all be getting rather fed up with the […]
One of the issues we may face when people ask us to handle their home buildings insurance claim is that they don’t have sufficient cover. Often this is because they took out their policy a long time ago and have failed to review it and update it regularly to reflect current market values. Some research […]
In the wake of the terrible winter storms and floods, apparently 15,000 flood insurance claims have now been made. And according to the Association of British Insurers (ABI), 85 per cent of these have received partial or full payment of their claim. But what about the other 15 per cent – 2,250 claimants who so […]
There was even more good news recently for businesses regarding insurance, following on from our news last week that it’s almost certain Flood Re will be extended to cover the commercial sector. There’s going to be a new law which should ensure that businesses will have their insurance claims settled more quickly. The Enterprise Act […]
Most policyholders believe their insurance company will live up to the terms and conditions of their insurance contract, and in many cases they do. It’s important to understand, however, that the loss adjuster assigned to your claim is employed by the insurer so this can bring into question their ability to act independently. Even if […]
It seems that things are on track for what could be called Flood Re 2. According to recent reports, a new scheme to extend Flood Re to cover businesses is likely to be launched in the autumn. It’s not good news for all businesses: it seems that only smaller businesses will be covered, but precise […]
The recent bush fire in Canada is horrific. The latest reports say it’s starting to abate as the weather has cooled and there’s been a bit of rain. But so far 622 square miles have been burnt – one estimate puts this as equivalent to the area within the M25 – and a fifth of […]
So Boris Johnson has won: not the EU referendum, but the Supreme Court case on whether the police are liable for ‘consequential losses’ following the 2011 London riots. The court has ruled in his favour and decided that insurers, not the police, should pay up. This case has been through the courts several times, as […]
We wrote in February about an imaginative flood prevention scheme in Oxfordshire aimed at protecting the town of Witney from flooding. Now there’s news of another which apparently stopped some serious flooding in the Yorkshire town of Pickering this Christmas, when the rest of the area was so badly affected. According to a report on […]
With Morgan Clark on your side, you will have the benefit of:
Having dealt with insurance companies and their Loss Adjusters since 1999, Morgan Clark's team has built up a wealth of knowledge and years of experience.
As our client, you will never have to go through a call centre. You will have the direct contact details of your Morgan Clark Loss Assessor and their assistant.
Without Morgan Clark on your side, you will be negotiating with the Loss Adjuster alone.
With a coordinated team led by your Morgan Clark Loss Assessor, your claim will run smoothly and efficiently and you will receive the settlement you are owed.
Your Morgan Clark Loss Assessor will manage the process in the way that best suits you; you can choose anything from allowing your Loss Assessor to manage everything on your behalf and keeping you up to date with progress, through to working with you on a daily basis to manage your claim together.
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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.
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.
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