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Case Studies

Water damage in family home: Overcoming a Loss Adjuster’s unfair assessment



Mrs Tyler


“I wouldn’t hesitate to recommend Morgan Clark.”

Mrs Tyler

Just after Christmas 2016, Mrs Tyler’s 3-bedroom home was damaged by a small escape of water. The water came through the upstairs ceiling of the semi-detached house in Plymouth, causing substantial damage to the property.

Mrs Tyler’s Insurer sent a Loss Adjuster to assess the extent of the damage and decide on the settlement of the insurance claim. Mrs Tyler was not satisfied with the Loss Adjuster’s recommendation and her father, who works in trade, confirmed that the advice they were being given was insufficient for the damage caused.

After a month of delays and an unsatisfactory response from the Loss Adjuster, Mrs Tyler came across Loss Assessors online. She instructed Morgan Clark to help move the claim forward and negotiate a more suitable result.


The claim

After a stressful month of dealing with the unsatisfactory Loss Adjuster appointed by the insurance company, Morgan Clark stepped in to take the stress off Mrs Tyler and her family, including her two children who were sitting their A-Level exams at the time. This support was “incredibly helpful and made a massive difference” during what was a “difficult and stressful time” for the family.

Morgan Clark reassured Mrs Tyler that, with their support, she would receive the result she was entitled to. Based on the Loss Adjuster’s advice, the Insurer wanted to simply patch up the ceiling where the water had escaped and move the furniture out several days before the family could move out themselves. As the children were sitting their exams, Mrs Tyler did not want to put the family through any added stress, and Morgan Clark negotiated with the Insurer to reach a settlement without disrupting the Tylers’ family life unnecessarily.


The results

Morgan Clark’s knowledge and experience of dealing with water damage insurance claims made a substantial difference and helped Mrs Tyler reach an agreement she was happy with. After a difficult start to the claims process, the final claim was agreed at £23,279.47.

Mrs Tyler doesn’t “believe the outcome would have been as satisfactory without the extra support of Morgan Clark”. She says, “I could have done it, but not as well. I wouldn’t hesitate to recommend Morgan Clark.”

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