Insurance claim FAQs

Our services are free to clients who use the services of the surveyors and builders we introduce them to. These professionals will be paid by your insurer as part of your claim, and in turn, pay us a management fee for running the whole project...

We have found this to be a common concern, and one that most policyholders struggle to get answered by their Loss Adjuster. However, industry experts at Morgan Clark can determine a good approximate time frame for you by talking through the basic details of your claim.

We understand you might be looking for reassurance about what to expect over the coming months. To be fully prepared for what lies ahead, we would always recommend speaking to an industry expert. However, we have written a guide to give policyholders a general understanding of the insurance claim process.

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.

In the vast majority of cases, a Morgan Clark Loss Assessor will have a significant impact on the settlement you receive.

Not only are Morgan Clark’s Loss Assessors the most experienced in the industry, we also have the best reputation and most effective methods to ensure our clients receive absolutely everything they are entitled to.

If your insurance company is trying to dissuade you from using Morgan Clark Loss Assessors, 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. Is their reticence based on them looking to settle your claim as cheaply as possible?

Ideally, the sooner Morgan Clark gets involved the better. Often, the point at which a policyholder realises they need our help is actually too far into the claims process for us to get involved. Morgan Clark can undertake the management of a claim further down the line in some cases, however this is not recommended.

Morgan Clark has a reputation in the insurance industry for independence and professionalism. We are highly-respected for taking a carefully-measured negotiating approach which is not confrontational. As a result, we have developed an excellent working relationship with insurers and their Loss Adjusters across the UK, which means we achieve the best outcome for our clients.

Yes, unfortunately in some circumstances they can. An insurance policy is a contract, or agreement, between two parties. So as one of those parties, if the insurance company considers that you have not kept to your side of the bargain then they can deny a claim – for example, if they believe the claim is not covered by the policy, or if they suspect fraud. This doesn’t necessarily mean they are right or justified in doing this and that is precisely where Morgan Clark can help; we will provide professional representation for you and fight to have your claim settled properly. If you find yourself in this position, our advice would simply be to contact us for a no obligation review of your claim.

On the rare occasions that neither your insurer nor any other party is liable for your losses, we make no charge for our services. Our fees section will give you a more in-depth explanation.