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Popular Questions
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In the majority of cases we are able to represent our clients without charging a fee at all. Read how we are able to offer our services free of charge by clicking here.
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While many insurance companies will support you in the initial weeks of your claim, their only responsibility is to ensure costs are covered to restore your property and replace damaged contents, stock, machinery etc. (if applicable). As your claim progresses, you will be left with the most stressful and time consuming day-to-day elements to organise and oversee alone if you do not appoint a Loss Assessor.
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Loss Assessors and Loss Adjusters are both insurance claim professionals, but there is one key difference in their role during the insurance claim process; a Loss Assessor is appointed by and works exclusively for the policyholder, while a Loss Adjuster is appointed and paid by the insurance company. Loss Adjusters are expected to remain independent. Read more about the difference between Loss Assessors and Loss Adjusters here.
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There is no reason why your insurance company or Loss Adjuster should discourage you from appointing your own Loss Assessor. If your Loss Adjuster is trying to dissuade you from using our services, you should question why they are against the idea of you being equally represented. After all, a Loss Assessor can only help a policyholder claim for what is legally within their insurance contract. Click here to read more about Loss Adjusters.
Navigating claims – clients share their stories
ReCentre Health Ltd’s story, Flood Claim, London
After a severe leak caused major water damage, ReCentre Health turned to… read more
Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
Following a major flood that destroyed vital stock and equipment Sharma turned… read more
How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire
Ted and Wendy recall their experience when a firework caused a devastating… read more
Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark
Mrs Evans talks through her experience as a landlord having to make… read more
Expert Management of House Fire Insurance Claim in Devon by Morgan Clark
When Jane had an explosion at her home she had no idea… read more
Successful Resolution of Suffolk Home Fire Claim by Morgan Clark
When Rob and Catriona returned home from work to find their house… read more
We will help you get home as quickly as possible, ensuring you receive the full settlement you’re entitled to
24/7 support
Professional Memberships & Accreditations
Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.
CILA
As an internationally respected membership organisation, The Chartered Institute of Loss Adjusters (CILA) sets the professional and ethical standards for companies handling claims. They do so through its qualification framework and guide to professional conduct.
IPLA
The Institute of Public Loss Assessors was founded in 1966 and is the professional body representing Loss Assessors in the UK. Morgan Clark have been members since 2019. All IPLA members must be authorised and regulated by the Financial Conduct Authority and have appropriate Professional Indemnity Insurance.
Cyber Essentials Certified
We hold Cyber Essentials certification — the UK Government-backed standard, overseen by the National Cyber Security Centre — giving you confidence your data is protected against common cyber threats.
Trained to Support Vulnerable Customers
Our team is trained by specialist compliance provider Create Solutions to identify and support customers who need extra care — going beyond tick-box training to build real understanding and confidence.
Chartered Insurance Institute (CII)
The Chartered Insurance Institute is a professional body dedicated to building public trust in the insurance and financial planning profession. The CII’s purpose, as set out in its 1912 royal charter, is to ‘Secure and justify the confidence of the public’ in its members and the insurance sector as a whole. It aims to do this by setting standards of integrity, technical competence, and business capability.
Financial Conduct Authority
Morgan Clark were the first firm of Loss Assessors to be authorised by the Financial Conduct Authority, meeting the criteria when the regulation scheme was launched in 2005. The Financial Conduct Authority sets the regulation conduct standards for nearly 60,000 financial services firms and financial markets in the UK. They are also the prudential supervisor for 49,000 firms, setting specific standards for 19,000 firms.
What our customers are saying about us
Fire Claim – Birmingham
“We reiceved an amazing service from Paul and the entire team who ensured we were always reassured and kept happy”
A. Khan
Fire Claim – Mickleton
“I was exceptionally pleased with the whole process. Professional effective and responsive. Settlement exceeded my expectations.”
J. Lonsdale
“Without them I would have been totally out of my depth. Everything was arranged and any correspondence relating to the property and relevant meetings were in place They supplied al…”
Mrs Pauline Ducker
Fire Claim – Warwickshire
“TBH the service and the advise that was given to us was excellent Paul Taylor fought a long and hard battle for us against our insurers Aviva to ensure us the best payout from them…”
Sanjay Nagar
Fire Claim – Beverley
“There is nothing to improve, 5 stars in all areas. Settlement exceeded my expectations.”
Bryoni Butler
“I was a little dubious about using a loss assessor – I’m good with a spreadsheet and can argue a case well. However, insurance companies are known to be less than fair …”
Julian Evans
“Morgan Clarke dealt my claim very fast and right way. It was too easy to handle with them. I was updated very often for each and every move. They are experienced in handling the cl…”
Thirunavukkarasu Kulandaisamy
“Morgan and Clark were a very professional ,helpful, and knowledgeable they took all the stress of our claim away and exceeded our expections in all aspects. I would highly recommen…”
Phillip Gentle
Fire Claim – Essex
“The service I received has been absolutely fantastic from start to finish from everyone involved in the process.”
L. Bond
“We were reassured that Morgan Clark represented us throughout our complicated insurance claim. Procedurally, there were several occasions when we felt out of our depth and we were …”
David Metherell
“Highly recommend – a must have on a major house insurance case They took the administrative burden off us as much as possible during a very stressful period after flooding of…”
Lisa Hunt
“We had the misfortune of having a serious fire in our house last year, your first reaction is to think how am I going to deal with this, am I adequately insured, It will take forev…”
Neil Kelly
“From start to finish my entire experience with Morgan Clark was extremely positive on all levels. I found Martin Chapman who helped guide me through the claim to be conscientiou…”
Michael Button
Storm Claim – Cheltenham
“David proved very helpful and was professional yet friendly at all times. It was David who took control of the situation and got things moving for us.”
Susan Naydorf
“Morgan Clark treated us with care and respect from the beginning to end of the whole process and took all of the hard work out of our claim leaving us to be the customer and did ev…”
Michael McCormick
Fire Claim – Oxon
“We cannot fault the service at all . We honestly don’t know how we would have been able to deal with all this without Morgan Clarks expert knowledge and service. A truly exc…”
Hannah and Richard Spooner
Fire Claim – Middlesbrough
“I was impressed with the service i got from Morgan Clark and Martin who was dealing with my case. Very impressed”
Assad Butt
“We experienced a house fire in 2022. The first couple of weeks after the fire were just awful. The loss adjuster our insurance company used to handle our claim were possibly the wo…”
Mrs Addis
Fire Claim – Cumbria
“We had a straight forward and stress free experience dealing with Morgan Clark. Between Robert and Pino they kept us informed each step of the way and gave us good advice when need…”
P. Corkhill
“I was absolutely devastated to see my house destroyed due to a burst water pipe and was struggling to get a meaningful response from insurance company. That’s when my friend …”
Manjusha Rathi
Flood Claim – Winchester
“Friendly and sympathetic. Pleasant and efficient, I found Natalie especially pleasant and helpful.”
Mrs J. Cole
Fire Claim – Bristol
“He was sympathetic and excellent… we are so grateful that he came to see us. We felt we had someone on our side. Very confident with the whole service. Settlement exceeded my…”
Paul Uttley
“I don’t think it’s possible for a layman to resolve a major insurance claim without the help of a loss assessor. In our case our insurer’s loss adjuster tried to …”
Escape of Water Claim, Willingham
Fire Claim – Oldham
“The biggest thing for us was the understanding of the impact of the fire on us all – it didn’t feel like anyone involved was doing a ‘tick box’ the service …”
G. Byrne
Flood Claim – Devon
“He made us aware of things we genuinely hadn’t thought of. Whatever was a problem for me Natalie really couldn’t have been more helpful.”
M. Smith
Fire Claim – Devon
“Despite these unprecedented times (COVID) you have fulfilled what you had set out to achieve on our behalf and we are pleased with the outcome. We think that you managed extremely …”
C.P. Bradley
Fire Claim – Leeds
“We were very happy with everything. We felt completely looked after by Martin Chapman and that we could 100% trust him. Got the right builder and made it stress free for my family….”
Philip Howard
“I contacted them via their website and they still gave me a callback despite my claim size being under their threshold, and gave me contacts and advice on how to proceed.”
Bosh
Fire Claim – Coventry
“Overall, very very happy with the decision to ask Morgan Clark to carry out the task of dealing with my claim. I wouldn’t have been able to see this through on my own –…”
Iqbal Singh Kunner
“First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.”
Trusted User
Impact Claim – Essex
“He was extremely helpful and friendly and we knew we were in good hands.”
M. Forkan
Fire Claim – Middlesex
“As you are no doubt aware, having a house fire is a very stressful and traumatic event. From that point onwards I would have been somwhat at a loss as to how to proceed. I am thus …”
Ms M. Soe
Fire Claim – Barwick
“I was kept very well informed. Settlement exceeded my expectations”
Wayne Agat
Fire Claim – Leicestershire
“No issues at all with Rob and Paul from Morgan Clark… they took a lot of stress away from myself/partner.”
S. Ramsay
Fire Claim – Leicestershire
“He made us aware of things we genuinely hadn’t thought of. Whatever was a problem for me Natalie really couldn’t have been more helpful.”
M. Smith
Silchester Sports Pavilion
Fire Claim – Derby
“Paul was always on hand when needed, he always seemed and sounded very calm which kept me calm. because of paul my life carried on almost as normal. Not having to think or constant…”
Stephen Grounsell
Fire Claim – Bingley
“I was very impressed with the overall standard of service. I was having a very stressful time before the fire and was very grateful that I didn’t have to deal with the house …”
Emma Clough
Flood Claim – Chesterfield
“I cannot fault the overall standard of service that i received. Everyone played their part to ensure the restoration of my property and in the process help to reduce my stress leve…”
S. Jackson
“We had a fire at our house. Morgan Clark acted as a loss adjuster on our behalf with our insurance company. This made what was a very stressful situation much less so. They helped …”
Molly Soe