FAQs
If it’s the first time you have to make an insurance claim, there’s so much to take on board. To help you at the outset of your claim, here we have answered some of the most frequently-asked questions people in your position tend to have:
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How much will Morgan Clark charge?
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Our services are free to clients who use the services of the surveyors and builders we introduce them to. To find out more visit our Loss Assessor fees page.
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How long will it take to get back into my property?
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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. Martin Chapman, Loss Assessor at Morgan Clark talks through how long an insurance claim can take on a video linked below. Please feel free to call us for a no obligation review of your claim.
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How does the insurance claim process work?
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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. We have also created guides to give homeowners, landlords and business owners a better understanding of the insurance claim process.
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Why do I need a Loss Assessor? Doesn’t my insurance company manage my claim for me?
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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 items. As your claim progresses, you may 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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Will using a Loss Assessor have an impact on the payout I receive from my insurance company?
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In the vast majority of cases, a Morgan Clark Loss Assessor will have a significantly positive 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.
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Will I annoy my insurance company by using a Loss Assessor?
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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?
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Can’t I deal directly with my insurance company now, and come back to Morgan Clark later if I need you?
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Ideally, the sooner Morgan Clark gets involved to help you with your claim, the better. Unfortunately, the point at which some policyholders call us for help can be too far into the claims process. Morgan Clark can undertake the management of a claim further down the line in some cases, however this is not recommended. If you are unsure about using our services, you are very welcome to call us for a no-obligation review of your claim to date, you will then have all the information to make your decision.
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Which insurers and Loss Adjusters have Morgan Clark worked with?
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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.
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The insurance company has rejected my claim. Can they do this?
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Yes, unfortunately in some circumstances home insurance claims can be rejected. 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.
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What will it cost me if I lose?
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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.
Let Morgan Clark take away the stress, resolve your claim as quickly as possible and ensure you receive everything you’re entitled to.
24/7 support
01978775403Why choose us
Resolving your claim as quickly as possible
With a coordinated team led by your Morgan Clark Loss Assessor, your claim will run smoothly and efficiently and you will receive the settlement you are owed.
Being equally represented
Without Morgan Clark on your side, you will be negotiating with the Loss Adjuster alone. Would you consider going to court without a solicitor on your side?
A single point
of contact
As our client, you will never have to go through a call centre. You will have the direct contact details of your Morgan Clark Loss Assessor and their assistant.
Unrivalled industry experience
Having dealt with insurance companies and Loss Adjusters since 1999, Morgan Clark’s team have established an industry-wide reputation as the UK’s leading Loss Assessors.
Keeping you
in control
You choose the way your claim is managed – some people like to manage each step with their Loss Assessor, others prefer to let their Assessor take the reins completely – the choice is yours.
Significant reduction
in stress
It is easy to underestimate the time and energy that goes into running a claim. Having an expert guide you through the process will reduce this stress and allow you to focus on your day to day life.
What our clients say, in their own words
Jim and Jan talk about their experience when a thatched roof fire practically destroyed their home and the crucial help they received from Morgan Clark.
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When Jane had an explosion at her home she had no idea where to turn until she came across Morgan Clark and she is so relieved that she did.
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Mr Lund discusses his flood insurance claim and the incredible recovery he made with Morgan Clark on his side. The flooding was caused by a culvert becoming blocked
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Ted and Wendy recall their experience when a firework caused a devastating fire at their home and they turned to Morgan Clark to restore their home.
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When Rob and Catriona returned home from work to find their house filled with black smoke they realised they were in no position to handle their claim alone.
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With little response from the insurance company, Mr Scruby appointed Morgan Clark to run his fire insurance claim and is so pleased he did.
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Mrs O’Halloran felt she had to come back to Morgan Clark when her house flooded for the second time because she knew what a difference it made the first time.
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Following a major flood that destroyed vital stock and equipment Sharma turned to Morgan Clark to safeguard the future of her business.
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We are authorised & regulated by the Financial Conduct Authority (FCA)
This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.
Your claim is in safe hands
As the industry leader, Morgan Clark sets the bar when it comes to standards. We are also proud to support a number of charities both in the UK and overseas.
