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Dealing with a difficult Loss Adjuster to claim £60,000

“This entire process took over my life and, without Morgan Clark, I don’t know how I would have done it.”

Fire and smoke damage in rental property: £80,000 claim

“We cannot thank Morgan Clark enough for completely taking the stress and worry out of the otherwise very stressful situation for us.”

Underinsurance on a property fire claim: A settlement increase of over £62,000

“It was Morgan Clark’s professional understanding that helped get the final decision we got.”

Successful fire claim in rental property leads to further referrals

“We wouldn’t have been able to achieve that figure without Morgan Clark on our side”

Flooding at kitchen worktop manufacturer: £1.2 million claim

“If there was one decision we got right it was using Morgan Clark. They saved our company.”

Flooded bakery in Kendal: £100,000 insurance claim for machinery, stock and business interruption

“I honestly think that if I’d been dealing with the claim by myself I would have thrown in the towel. Morgan Clark made all the difference.”

Flooded bed centre in Lancashire: overturning insurer’s refusal to accept liability

“Morgan Clark came in, took it over, and told us what we could and couldn’t do. That is exactly what you need when you face something like this.”

Using Morgan Clark a second time for flood insurance claim

“As soon as it happened again I was on the phone to Morgan Clark. They did such a fantastic job last time and it’s a godsend having them do it all for us again.”

Flood insurance claim in 2009 and again in 2015

“When I met Morgan Clark, I felt I would have someone on my side, who would do the best for me and my children. And the insurers took more notice of them than if I’d been on my own."

Fire in three-bedroomed rented house – £92,000 buildings claim plus landlord’s contents and loss of income

“From our point of view it was painless. We could put it to one side, knowing it was in the hands of Morgan Clark. They lifted the entire burden of managing the process.”

Fire in semi-detached house – overcoming challenges to buildings and contents claim

“Morgan Clark made such a difference. I wouldn’t have been able to cope without them: they took everything out of my hands. And using the whole Morgan Clark team of surveyors and contractors made things so much easier.”

Taking the burden from the family after fire in elderly father’s bungalow

“Morgan Clark gave us peace of mind. They were a steadying influence, a source of good advice and made us feel we were not on our own.”

£500,000 house fire – rejected claim overturned by Morgan Clark

“Everyone signs up to insurance policies in good faith but, when it comes to making a claim, all that may count for precious little. If we hadn’t had expert help, I don’t know how we would have got through it. Morgan Clark knew what to look for and understood policy wording, which was vital in getting the insurer to accept liability.”

Flood claim in 2003 and again in 2014

“Our claim in 2003 amounted to £130,000. Because we had a professional loss assessor (Morgan Clark) working for us, we were able to get back into our home in only six months. Our neighbours had far less work done but they took nearly a year to get back into their properties.”

Flooding claim in 2003 and again in 2014 for the same homeowner

“The first time I was flooded, I was at my wits end. Everything changed once Morgan Clark arrived because I had someone fighting my corner. Now I’ve been flooded again I realise I can’t go through it all a second time without Morgan Clark.”

Flood at engineers – claim for contents, buildings and increased cost of working

"We were devoting valuable management time to the claim, which was starting to have a major effect on the business. Morgan Clark took over the whole process and successfully negotiated a far higher settlement."

Public house flooding – £186,500 BI, rebuilding, stock and contents claim

"With Morgan Clark's professional help, the pub was properly restored for the long term, not patched up with hidden problems we'd have to face in the future."

Suspicious fire in motor repair centre – full BI settlement plus new premises

"I would advise anyone who suffers a major disaster like a fire to get their own loss assessor on board straight away. I know now that it's simply not worth the risk of trying to handle the claim yourself."

Convenience store fire – full settlement for BI & refurbishments

"The insurance company didn't want to pay for our loss of business. Morgan Clark wouldn't accept this, took our case to a very senior level and got the decision reversed so that we were paid in full."

Pub chip pan fire – BI and refitting claim

"Morgan Clark took away all my worries about form filling. They knew all the procedures and gave me peace of mind so I could concentrate on keeping the pub going."

Second arson attack at factory – full settlement despite initial suspicions

"If Morgan Clark had not been on board, we would not be here now. They took over everything, which allowed us to get on with managing the recovery of the business. The real difference was they knew the rules of the game."

Dental practice fire – £200,000 settlement

"Trying to do it ourselves and run the business as the same time was proving difficult and very stressful. It was a huge relief to have someone working on our behalf handling all the issues."

Cricket club fire – £161,000 settlement

"The insurance company contested liability, but Morgan Clark was able to prove full compliance with the policy. As a result, a substantial cash settlement was successfully negotiated."

Industrial floorings manufacturer fire – £1.52m settlement

"Morgan Clark drew up in partnership with the company’s management an action plan to mitigate losses, and assessed the costs and benefits of these actions. After lengthy negotiations, the insurer finally agreed to the full £1.52 million claim."

Residential college fire – £1.5m buildings and contents claim

"Morgan Clark kept us fully informed at every stage, and they took away the headache of organising repairs as well as making the claim itself. This meant we could be much more effective in our response to what was a major incident."

Flooded industrial unit – £290,000 material damage and BI claim

"The very survival of our business was at stake, and I just don't believe the insurer would ever have cooperated with me as an individual in the same way. But the very fact that Morgan Clark was working for me made the insurer react more positively and quickly."

Flooding to historic pub – £500,000 claim including business interruption

"Morgan Clark handled everything, from the initial crisis through emergency funding and compiling the extensive claim on to the eventual reinstatement of the building and the premises, providing vital support every step of the way."

Flooding – £630,000 business interruption claim

"A substantial claim for loss of turnover was met: Morgan Clark successfully argued that, despite a growth in turnover after the flood, this growth would have been even higher if operations had not been interrupted."

Major explosion – £1.8m business interruption claim

"Morgan Clark's business interruption specialists guided the senior management through all the possible options for re-instating the business."

Computer server damage – £15,000 for data recovery and system replacement

"The claim was extremely complicated and technical so we realised we needed an expert. I'm absolutely convinced that, if Morgan Clark hadn't successfully negotiated the settlement, we would have been out of business."

Mosque destroyed by fire – £350,000 cash settlement

"Despite considerable policy complications, Morgan Clark successfully negotiated a substantial cash settlement to cover the re-instatement of the mosque."

Suspicious break in at power tools retail unit – £40,000 claim

"We felt so much more confident because we had someone fighting our corner. Morgan Clark understand insurance jargon and speak the same language as the insurance company. Once they were on board, we didn't have to do anything until the claim was agreed and settled."

Extensive fire damage to two-bedroomed house

"Using Morgan Clark meant we could get on with our lives. They told us what to do, in which order, and streamlined the whole process. It was more than a convenience: it was a godsend to have someone on your side with your best interests at heart."

Landlord’s property fire – £75,000 buildings and contents claim

"Morgan Clark handled my case with care and did an excellent job. I was incredibly stressed with everything I had to do in connection with all my properties and they did everything for me."

Burst pipe – £52,000 buildings and contents claim

"Initially the insurer offered us peanuts and without Morgan Clark we wouldn't have go the settlement that was finally agreed."

Break in at landlord’s house – £20,000 malicious damage claim

"Morgan Clark were fantastic. They took all my worries away and lifted the pressure after the break in. They sorted everything out and I was very happy with the outcome."

Burst pipe – final settlement of £50,000 after original £10,000 offer

"Morgan Clark did a fantastic job. They relieved the pressure, kept me informed and were so efficient and thorough. You couldn't find a better company to deal with my situation."

Damage from burst pipe – £48,000 buildings, contents and alternative accommodation claim

"I have a really pressurised job. The loss adjuster just wouldn't return my calls, and I didn't have the time to continually chase him. Morgan Clark took the burden away and handled everything for us. I wouldn't have been able to do it without them."

Domestic flood – ripping out and reworking previous poor restoration

"I was still unable to move back in because the work by the insurer's contractor was terrible. After Morgan Clark came on board, they brought in a contractor who carried out the work to a much higher standard and finally I could get my life back in order."

Domestic flooding – speedy settlement to get life back to normal quickly

"We were completely depressed, knowing we were in for months of misery trying to sort it all out. It would be so tiring. Morgan Clark changed all that."

Widespread flooding – long-term re-housing and increased settlements

"Morgan Clark stepped in immediately to ensure our families were housed safely. They then took on the burden of negotiating with our insurers so we could get on with putting our lives back in order."

Burst pipe in empty house – £45,000 buildings and contents claim

"Morgan Clark took over everything and they kept things moving. They also advised me to do so many things I would never have thought about it they hadn't been working on my behalf."

Fire in restaurant and flats – £190,000 cash settlement for landlord

"When it happened I felt so lonely and was so worried about whether I would receive an insurance payment. But Morgan Clark took this worry away and gave me the confidence I needed to face this horrible experience."

Rented house fire – £60,000 buildings claim

"I didn't know which way to turn, until Morgan Clark arrived. As soon as they took over my claim, the insurer accepted liability. Everything then ran so smoothly, and they were incredibly efficient, professional and understanding."

Rented property fire – £42,000 landlord’s buildings claim

"They did everything for me, saving me a lot of aggravation and allowing me to carry on with everything else I needed to do while the claim was being processed. Using Morgan Clark was one of the best decisions I could have made."

Fire in three-bedroomed house – £16,000 claim

"Morgan Clark did everything for me. At first it seemed too good to be true but it turned out that using them was the best thing I could have done."

Fire in thatched cottage – £152,000 third party buildings claim

"This was a very complex claim. Morgan Clark are experienced professionals and we received a far better settlement than we would have as amateurs on our own, trying to battle against the weight of an insurer."

Water damage – £120,000 cash settlement

"Having a loss assessor working for me made a huge difference. I don't know how anyone without experience of an insurance claim could do it on their own."

Thatched cottage fire – £528,000 buildings, contents and alternative accommodation claim

"We were well treated by our insurer, but I don't think the results would have been the same if Morgan Clark had not been involved. They took a massive amount of pressure off us."

House fire – £199,000 buildings, contents and alternative accommodation claiim

"Having Morgan Clark on our side meant that, every step of the way, we had peace of mind. They made me think about the long-term picture and calmed me down. If they hadn't been working for us, I would always have wondered if we'd got the best results."

Thatched cottage fire – £229,000 buildings, contents and alternative accommodation claim

"I hope I never have to go through anything like this again, but if I did I would be in touch immediately with Morgan Clark. You always felt they had your best interests at heart. I couldn't have wished for more professional, helpful and reassuring people working on my behalf."

Annexe fire – £85,000 buildings and contents claim

"Morgan Clark negotiated a far better settlement than I expected. They achieved this because they have expertise and experience in dealing with insurers."

House fire – £225,000 buildings, contents and alternative accommodation claim

"I am absolutely certain that, if we had been handling this claim ourselves, we would not have ended up with the house we now have. We had no experience of making such a large claim and we didn't know what to do."

Gas explosion – £85,000 buildings claim

"Without Morgan Clark, we would have had to handle all the negotiations with the insurers, and we wouldn't have had a clue where to start. Morgan Clark knew exactly what to do and made all the difference."

Kitchen fire – £100,000+ buildings and contents claim

"Our only regret is that we didn't employ Morgan Clark earlier in our claim. They brought about a settlement in a swift manner and relieved us of the trauma and stress of dealing directly with the loss adjusters."

Kitchen fire – £35,000 buildings and contents claim

"It would have been a huge amount of work for me if I'd handled it myself and I certainly wouldn't have achieved the same level of settlement. I can't praise Morgan Clark enough."

Kitchen fire – £30,000 buildings & contents claim

"On reflection, I honestly don't know what would have happened if we hadn't used Morgan Clark's services. The scale of the work seemed overwhelming at the time but everything was taken care of on our behalf."

House fire – £210,000 buildings, contents and alternative accommodation claim

“We realised then how useful it was to have someone acting as a buffer between us and the loss adjuster. Having someone professional rooting for you and arguing your case is invaluable."

Gas explosion- £108,000 buildings claim

“We knew we couldn’t attempt to cope with it alone. When we met Morgan Clark, we could sense immediately that we were putting our case in the hands of the right people.”

House fire – £150,000 buildings, contents and alternative accommodation claim

“By the time Morgan Clark’s representative had finished talking to us, we thought ‘thank goodness for that’. This set us on a course which turned the dreadful experience of the fire into one of the most positive and life-affirming experiences we have had.”

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“I had no idea bringing you on board would make such a big difference to the settlement... I clearly made the right decision to call Morgan Clark”
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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.
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