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.” 

When a fire broke out in a landlord’s rental property in Manchester, a full refurbishment was needed. The fire started from a dryer installed by the tenant living in the property at the time. The accident led to fire damage in the utility room, along with extensive smoke damage throughout the rest of the building. 

Due to the extent of the damage, the property owner decided to employ the services of a Loss Assessor to help navigate the insurance claims process. Feeling that a much better claim settlement would be achieved by using professional representation rather than managing it alone, they appointed Morgan Clark to handle the case. 

The claim  

Morgan Clark took over the insurance claim on behalf of the client straight away. Leveraging deep knowledge of landlord insurance policy wording and extensive experience with claims on rental properties, Morgan Clark successfully established liability with the insurance company. 

The fire and smoke damage required a complete property overhaul. Morgan Clark liaised with the insurer to secure a claim settlement that fully covered the cost of restoring the property to its pre-fire condition.  

The results  

The client was delighted with the decision to appoint Morgan Clark. The team’s expertise was vital in getting the insurer to accept liability and securing the final settlement desired. The property was completely refurbished, with reinstatement costs totaling approximately £80,000. 

Reflecting on the outcome, the property owner shared: “With Morgan Clark acting on our behalf we got a far better claim settlement than we would have got if we had not used Morgan Clark. We cannot thank Morgan Clark enough for completely taking the stress and worry out of the otherwise very stressful situation for us.”