Can I still use Morgan Clark if I have cover for another Loss Assessor included in my insurance policy? 

If you’re dealing with an insurance claim following an incident such as a fire, flood or burst pipe at your property, and have cover in your insurance policy for a Loss Assessing service like Lorega or Qlaims, you might wonder if you’re still able to use Morgan Clark for support. The short answer is yes; you can. 

Some insurance policies include cover for the services of a specific Loss Assessing firm that has been pre-selected by your insurer. This is often a paid-for add-on to the policy, and it may apply only for certain qualifying claims. However, it’s important to note that while these services may be available through your insurer, you are not obligated to use the Loss Assessor selected by the insurance company. 

If you feel that another firm, like Morgan Clark, would better serve your needs, you have the right to choose your own Loss Assessor. Whether your claim involves residential or commercial property damage, or business interruption, Morgan Clark remains fully available to support you, ensuring that you have independent representation and the expert guidance needed for a successful claim process. 

What are Lorega and Qlaims? 

Lorega and Qlaims are loss recovery providers. Often, when you purchase a commercial or high-value home insurance policy, a “Loss Recovery” service is included as an “add-on” or “policy extra.” 

• Lorega: Commonly associated with services like Lorega 10, provide a Loss Assessor to help manage a claim.  

• Qlaims: Similar to Lorega, offer claims handling, often utilising digital assistance and a network of Assessors.  

In these instances, the premium for their service has usually been pre-paid as part of your overall insurance package. 

Why choose Morgan Clark? 

Morgan Clark offers independent representation, tailored specifically to your needs as the policyholder. Having reviewed the paid-for insurer-appointed Loss Assessor models, Morgan Clark developed a free membership – Loss Guard. Our service is available through broker/MGA partnerships, but you don’t have to be a member to access our support – you can appoint us directly, and one of our expert Loss Assessors will be entirely focused on your best interests – not the insurance company’s. 

Loss Guard is designed to complement the service a broker can offer their clients, by offering expert claims management alongside their expertise in securing the right insurance cover for their clients. Whether you are a policyholder working independently or a broker managing multiple clients, Morgan Clark offers the same trusted expertise and personal service. 

We provide flexible fee options that ensure transparency and value: 

1. Network-Managed Option:  

• No cost to you. In the majority of cases when a client chooses to appoint one of the trusted contractors introduced by Morgan Clark, we will not charge a fee for our services. We are able to offer this option as contractors who make it through our rigorous vetting process pay a fee to be on our network. 

2. Alternative Option:  

• A fee based on a small percentage of the claim value in cases such as; those who prefer to use their own builder, the insurer’s appointed builder, or opt for a cash settlement.  

We’ll always discuss the fee options upfront to ensure full transparency. Our goal is to ensure the value we bring to your claim far outweighs the cost of our services. 

The ‘best of both worlds’ 

It is a common misconception that you must use a “pre-paid” service included in your insurance policy to keep costs down. With Morgan Clark’s Network-Managed option, you can benefit from the same cost-efficiency as a policy “add-on,” while maintaining your right to choose an independent advocate. 

Our goal is to provide a high-level, advocate-led service that aims to secure a fair and accurate settlement on your behalf – without the premium price tag. 

Your claim, your choice 

Dealing with major property damage or a business interruption claim is a significant event. Whether you have Lorega, Qlaims, or another provider mentioned in your policy, the final decision on who manages your claim is entirely yours. You should appoint the professional you believe will provide the most comprehensive support for your specific circumstances. 

If you have questions about your insurance claim, feel free to contact us and speak with an insurance claim expert for advice completely free of charge and with no obligation. We’re here to help you understand all your options, resolve your claim as quickly as possible and achieve the correct settlement. Find out more about Morgan Clark here.