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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Why Doesn’t Your Insurer Want You to Appoint a Loss Assessor?
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If your insurance company is trying to dissuade you from using Morgan Clark, 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 reluctance a sign that they’re aiming to settle your claim for less than you’re entitled to?
To better understand why insurers may resist the involvement of a Loss Assessor – and how it can impact your claim – watch our short video: Your Insurer or Loss Adjuster Doesn’t Want You to Appoint a Loss Assessor – Why?
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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.
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What is underinsurance?
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Underinsurance occurs when the value of your property or belongings are underestimated on your insurance policy. For example, if your home’s rebuild cost is £300,000 but your policy covers only £200,000, you are underinsured by over 33%. If you make a claim for £100,000, your insurer may only pay 67% of that value—£67,000—since you’ve paid premiums based on a lower coverage.
In severe cases, underinsurance can result in your claim bring rejected.
[Read more about underinsurance and how to protect your claim here.]
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Can I handle the Insurance Claim myself without a Loss Assessor?
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Technically, yes—but it’s not advisable. Just as you wouldn’t go to court without professional legal representation, you shouldn’t enter insurance claim negotiations without your own claims expert. Without a Loss Assessor, you risk missing out on thousands of pounds in settlement value.
Loss Assessors work solely for you—not the insurer—ensuring you receive the maximum entitlement under your policy. They manage the process, deal with complex documentation, and help protect your interests at every stage.
👉 Watch our short video on why you shouldn’t handle the claim yourself.
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Will I get alternative accommodation?
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Yes – if your property is uninhabitable due to an insured event such as a fire, flood or storm damage, your insurance policy should cover the cost of suitable alternative accommodation.
This can include a rental property, hotel, or other temporary housing, depending on your circumstances and the length of time repairs will take.
At Morgan Clark, we ensure this part of the claim is handled quickly and fairly. We’ll negotiate with the insurer to secure accommodation that meets your needs – whether that means staying in the local area for school or work, keeping your pets with you, or finding longer-term housing if repairs are complex.
We can take the pressure off throughout this stressful time, so you can focus on your family while we handle the details.
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I have cover for another Loss Assessor included in my insurance policy – can I still use Morgan Clark?
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Yes. It is possible that a fee for the services of a Loss Assessing firm, pre-selected by your insurer, was included as an add-on to your insurance policy. However, this will only apply to certain qualifying claims, and it is important to understand that this does not restrict your freedom to choose who represents you in your insurance claim. You are under no obligation to use the firm appointed through your policy if you would prefer independent representation. Morgan Clark remains fully available to support you, and you are entitled to appoint the Loss Assessor you feel will best protect your interests and manage your claim with expertise and care.
Still have questions?
Visit our FAQs page for more answers.
We will help you get back into your property as quickly as possible, ensuring you receive the full settlement you’re entitled to.
24/7 support
0808 273 8929Why choose us
Resolving your claim as quickly as possible
With a dedicated team led by your Morgan Clark Loss Assessor, we ensure your claim runs seamlessly, restoring your property promptly with expert care.
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.
Receive the full settlement you are entitled to
Morgan Clark’s unrivalled experience dealing with insurance companies and Loss Adjusters ensures our clients receive everything they are entitled to.
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.
Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)
Find out what this protection means for you here.
The FCA regulates the financial services industry in the UK, this means:
- Your money is protected – FCA rules ensure your claim is handled with safeguards that protect your interests.
- You’re treated fairly – strict standards and codes of conduct mean you’re never misled or taken advantage of.
- You can trust the process – only authorised firms can legally manage claims, giving you confidence in the outcome.
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.
Professional Memberships
