Loss Assessor fees for business owners explained

As the owner of the business, who you choose to run your insurance claim will have a huge impact on the settlement you receive and how quickly your business is back up and running. Commercial claims can involve a number of different aspects, such as Buildings, Business Interruption, Plant & Machinery, Stock, Fixtures, Fittings, Contents. Therefore, our fee proposal will be tailored to your individual claims’ requirements. Typically, we charge a small percentage of the claim value, but we would always expect to more than offset our fees by maximising the amount we are able to secure for our clients when settling their claims. If a commercial insurance claim includes a substantial buildings element, and you utilise the expert contractors we introduce, Morgan Clark’s loss assessing services could be free of charge. In order to give you a detailed explanation of fees applicable to your claim type, please call to speak to one of our commercial experts with no obligation. We offer a free half an hour consultation, during which you are welcome to ask our experts any questions relating to your insurance claim.

Call our free helpline for advice about your claim

Popular Questions

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.

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.

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.

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.

Navigating claims – clients share their stories

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Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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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.

What our customers are saying about us

Dependable support
Flood Claim – Ipswich

“Generally very good. Contact was good and my calls, if unable to be taken immediately, were always promptly returned or an emailed reply was sent. I felt very respected by every…”

S. Andres

Dependable support
Fire Claim – Waltham on the Wolds / Leicestershire

“We are very pleased we used Morgan Clark, at no point were they pushy, unlike some of there competitors !”

Christopher Boulter

Genuine care

“We cannot recommend Morgan Clark highly enough, the service they provide in often devastating circumstances is absolutely first class. When we encountered resistance from our insur…”

Paul Burns

Dependable support

“From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of our case was exceptional , Ryan liaised with the relevant parties even t…”

Paul Aston

Dependable support
Fire Claim – Hampshire

“We are honestly happy to recommend Morgan Clarke to work on your behalf, if they perform for you as they did for us then you should not be disappointed.”

Richard and Dee Thorne

Dependable support

“Despite all the problems with the insurers, Morgan Clark continued to chase and ensured that all areas were covered to our benefit. Although I became very stressed at times, Morgan…”

Monika Payne

Dependable support
Fire Claim – Macclesfield

“Overall the service from all those we dealt with in restoring this fire ridden property were highly professional and, at times, imaginative in how they sought to bring this propert…”

Pat and Frank Wharton

Dependable support

“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

Kevin Vickers

End-to-end management
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

Dependable support

“After having the devastation of water ruining my kitchen and parts of my living room I was given Morgan Clarke’s number. As always with anything to with insurance or claiming…”

Chris McGowan

End-to-end management
Fire Claim – Surbiton

“I have felt very supported from the beginning of my claim by everyone while the hard work was done for me. Really grateful and zero concerns. Really quick at replying to any emails…”

Catherine King

End-to-end management

“I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine claim literally weeks after moving into our new home . Th…”

Wendy Stubbings

Weight lifted

“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

Dependable support

“Through all the difficult times, the ups and the downs, Mr Marc Ross’s (loss advisor at Morgan Clark) experience, level headedness and professionalism has been immense and ha…”

Mohamed Khalifa

Dependable support
Fire Claim – Preston

“We received a very high standard of service from all the people we dealt with, they all worked together well as a team and the project ran smoothly once the insurance company gave …”

L.U.V Property Ltd

Dependable support

“Well done as I expected.”

Mr Sun

Dependable support

“The service has been fantastic. Dan in particular has been very supportive and informative, offered me his best advise and how to proceed with the issues I’m having. Communicati…”

Mrs Hussain

End-to-end management

“I am a landlord who lives overseas and one day my property manager informed me that my house had been completely destroyed in a fire. I could not imagine how difficult it would hav…”

Andrew Dougill

Dependable support
Fire Claim – Cambridge

““My team” as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and with total support when I was finding all t…”

Jane Hampshire

Dependable support
Fire Claim – Middlesbrough

“Impeccable standard of service by MC. The settlement, without doubt, would not have been achievable without MC. Very straightforward to deal with and available to answer question r…”

John Hines

Dependable support
Fire Claim – Gwynedd

“We were extremely satisfied with the service we received and would highly recommend Morgan Clark to deliver a high level of customer care in what can be a fraught and difficult tim…”

Mr A. A Kujore/Ms G M Roberts

Genuine care

“In August 2023 we suffered the loss of our bungalow to fire, needless to say one of the most traumatic events of our lfe. Within 24 hour we were contacted by representatives from L…”

Mr Keith Young

Dependable support

“Great communication. Very prompt. Easy to contact the right person when required.”

Crighton Mather

Dependable support
Flood Claim – Stowmarket

“Really helpful, felt he was on our side! Email, text and phone, always there! Settlement exceeded my expectation.”

Sarah Leggett

Genuine care

“Well done Morgan Clark and Matt Ralingson Matt Rawlinson was more than helpful in the middle of the claim I was diagnosed with Prostate Cancer and had to go through a regime of Rad…”

Mr McCaffrey

Dependable support
Fire Claim – Henley

“Everything has been very efficient. Settlement exceeded my expectations”

Anna James

Dependable support
Fire Claim – West Yorkshire

“I was impressed by the standard of service I’ve received from Morgan Clark and would happily recommend them to anyone finding themselves in similar circumstances to mine. Settleme…”

L. Clements

Dependable support

“we had never been in a situation like this before and were completely out of our depth . morgan,clark,s representative martin chapman put us at ease and explained everything to us …”

Mick Bielby

Dependable support
Fire Claim – West Bromwich

“Very pleased with Paul’s help, knowledge and professionalism in dealing with our claim. I would have been lost without his help, Paul explained and guided me through all the…”

Ishvar Patel

Dependable support

“Qute simply I don’t think that the end result of a beautifully restored house would have been achieved without Morgan Clark’s Marc Ross handling our claim with the insu…”

Mr Stainer

Weight lifted
Fire Claim – Chorley

“From the Initial visit to completion date I have been able to contact all of the parties involved, they have all been very helpful, friendly and efficient and was so pleased that I…”

Fidelis

Exceeded expectations
Fire Claim – Milford Haven

“Very happy with the overall claim. Received much more than expected so very happy.”

J. Brayley

End-to-end management

“Tbh i was sceptical at first using one of these companies, but i was too busy with work to deal with it myself so i thought id give it a go. Wow Fantastic company. Helped and kept …”

Kim Kim

Genuine care

“Always informed me about the updates on my case. They were happy to answer any of my questions in no time. Pino and Sarah want above and beyond to help my duties that difficult ti…”

Joanna Fiejtek

Dependable support

“Extremely responsive and tactful with queries. Efficient management of a complex repair project involving multiple parties”

Coastal Estate Management Ltd

End-to-end management
Fire Claim – London

“It was the best thing I did to assign Morgan Clark to help me with my claim . They have a lot of experience in this field , I’ve never had to make a claim for fire before so …”

Emine Enver

Dependable support
Fire Claim – Nottinghamshire

“We were shell-shocked after the trauma of losing our home to a devastating fire and didn’t really know the way forward, having never experienced anything like this before.”

Alan & Elaine Timms

Dependable support
Fire Claim – Gloucestershire

“Overall we were extremely satisfied with the service we received from your company.”

Barbara Salmon

Dependable support

“We were extremely pleased with the standard of service we received, particularly from our contact, Paul Taylor, who worked very hard on our behalf after our fire last year to liais…”

Debbie Howe

Dependable support
Malicious Damage – Lancashire

“Honestly, I have no negative feedback, only positive. It is so unusual nowadays to deal with such a professional, honest and dedicated group of people. Moreover, it wasn’t just on…”

Fiona Glen