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Case Studies

Flood claim in 2003 and again in 2014



Mr & Mrs O


“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.”

Mr & Mrs O

2003: the first flood

When the Thames burst its banks after heavy rainfall in 2003, Mr & Mrs O’s riverside bungalow in Staines was completely flooded. The entire ground floor, garage and swimming pool were under inches of water. They had already experienced at first hand the difficulties of trying to handle an insurance claim: a recent claim for lost jewellery had been turned down on a technicality. This made them realise that they needed professional help for what they knew would be a difficult and disruptive flood insurance claim. They therefore turned to Morgan Clark.


The claim

Morgan Clark took over the entire claims process for Mr & Mrs O, and also brought in specialist restorers, surveyors and contractors to carry out the reinstatement of their home. Within six months of the disaster they were back in their property: “The damage to our home was so extensive that the full claim finally amounted to £130,000. But, because we had a professional loss assessor working for us, we were able to get back into our home much more quickly than all our neighbours: they had far less work done but they took nearly a year to get back into their properties, whereas it was only six months for us.”


2014 – the floods return

So when the Thames burst its banks again in 2014 and their home was flooded for a second time, the first thing Mrs O did – even before she called her insurer – was to call Morgan Clark: “We just couldn’t face going through it again by ourselves.”

Mrs O is now in temporary accommodation and, as soon as the waters have completely receded from her home, Morgan Clark will send in a restoration company to start the stripping and drying process. In the meantime, Mrs O and her husband can get on with their lives: “We are both self-employed and simply can’t afford to let the burden of the insurance claim impinge on our working lives. We know we won’t have to worry because Morgan Clark is handling everything for us.

“I’d say to somebody who’s been flooded that it’s really beneficial to get in a loss assessor. It makes it much quicker to get back into your home and much more certain that you will get what you are entitled to. My neighbours want to know who helped us in 2003 as they saw the difference it made and I’m telling them to call Morgan Clark.”

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