Extensive fire damage in North Yorkshire: £250,000 insurance claim

After an electrical fault within the roof space started a fire, Mr and Mrs Hall needed to claim for extensive fire and smoke damage on their well-appointed, 4-bedroom property.

The damage to the couple’s North Yorkshire house was extensive; eight fire engines were called to the scene and it took them six hours to put out the blaze. Afterwards, the roof was completely gone. There was also extensive damage caused by smoke and water throughout the property.

The Halls made a claim on their insurance but found themselves in a situation they had never experienced before. As well as dealing with loss, the thought of dealing with the insurance claims process was “very daunting and arduous”. Faced with unfamiliar processes and not knowing where to begin, Mr and Mrs Hall turned to Morgan Clark for help with handling their large insurance claim.

The claim

Morgan Clark took over the entire insurance claim on behalf of Mr and Mrs Hall, allowing the couple to focus on other things during this difficult time.

Due to the extent of the damage, Morgan Clark appointed Bedfords, a national firm of chartered building surveyors, to compile a schedule of works on the property. This was agreed and tendered as usual. The Halls “probably would have accepted everything the insurance company told [them] to” but, thanks to Morgan Clark’s services and support, elected to take a cash settlement plus an additional settlement in relation to their contents insurance.

The results

Morgan Clark successfully negotiated a cash settlement for the damage caused by the fire, smoke and water, which was settled at circa £185,000. For the contents insurance claim, they also negotiated a second cash settlement at circa £50,000. This settlement exceeded expectations and the Halls were very happy with the outcome.

According to Mr and Mrs Hall, Morgan Clark’s services “made a huge difference to us commercially”. As well as negotiating a higher settlement, Morgan Clark took the stressful task of dealing with the insurance claim away from the Halls, allowing them to think about other things.

“Without Morgan Clark we wouldn’t have known who to go to. The initial support we received was fantastic as soon as you came to us the following day. We found Morgan Clark extremely easy to deal with and to be honest you made the process very easy for us by taking the workload completely away from us. You did it all for us and we can’t thank you enough for your commitment. We can’t think of any negative part of the service at all.”