Morgan Clark’s fees for homeowners

By appointing Morgan Clark Loss Assessors, along with the Chartered Surveyor and builders that we introduce from our network of experts, our services will be *free to you.

Our network of experts are selected by Morgan Clark’s directors and are continually monitored to ensure each firm adheres to our stringent high standards.

The contractors who repair your home will be paid by your insurance company as part of your claim and they in turn pay us a fee for managing the network.

*If you’d like to use your own builder, your insurer’s builder or want a cash settlement, we can negotiate any of these options for you. You are still able to appoint Morgan Clark Loss Assessors to help you. In these cases, we would need to charge a small percentage of the claim value. If we have to charge a fee, we always expect it to be offset by the increase in settlement we achieve for our clients.

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. Read more in Loss Adjusters: Your Questions Answered.

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.

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.

Navigating claims – clients share their stories

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Testimonial: ReCentre Health Ltd’s story, Flood Claim, London
London Business Interruption Claims

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to… read more

Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
North Business Interruption Claims

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned… read more

Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire
Midlands Fire Claims

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

Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark
South Fire Claims

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

Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark
South Fire Claims

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

Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark
South Fire Claims

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

When Rob and Catriona returned home from work to find their house… read more

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

End-to-end management

“We suffered some serious storm damage in February 2022 when 2 very large trees fell. Morgan Clark responded quickly and with the minimum of administrative fuss. It took nearly 10 m…”

Peter Hillier

Dependable support
Fire Claim – Codford St Mary

“We are more than happy to recommend Morgan Clark to anyone else in a similar situation to ourselves. We had never heard of Insurance Assessors before and assumed we would just be …”

Mary Nicholls

Dependable support

“Excellent service during a very difficult time”

Daniel Waller

Dependable support
Escape Of Water Claim – Essex

“I cannot overstate how fantastic Dan Norris has been in dealing with our claims. I would highly recommend Dan Norris and Morgan Clark to anyone going through an insurance claim. Da…”

D. Vora

Dependable support
Fire Claim – Chesterfield

“Nathan was the first person to view our house and answer our questions about what we were going to need to do.”

Stephen Barnes

Weight lifted
Fire Claim – Ombersley

“With the added stress of Covid and restrictions I felt the claim was dealt with as swiftly as was possible. Never wanting to have a large accidental clam again, ever, I would use M…”

A. Parker

End-to-end management

“We had a house fire in February 2023 which is right up there as possibly one of the worst things that can happen to you and your family when your home and security is taken away fr…”

Laura

Dependable support

“Both myself and my partner have been supported by Martin Chapman after a recent house fire. Martin and his secretary Sarah dealt directly with our insurance company to ensure the w…”

Vicki

End-to-end management

“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

Dependable support
Fire Claim – Leyland

“I was glad that we appointed Morgan Clarke as we had the support of a credible business behind us and fighting our cause at a stressful time. The companies you liaised with have al…”

Michael Calvert

Dependable support

“We got in touch with Morgan Clark to assist us with our Business Interruption Claim as we were not getting anywhere with our insurance company. David Kelly who worked on our behalf…”

Anne Storrar

Dependable support
Fire Claim – Bolton

“I have been grateful of the help given to me and guidance during this period of time of trauma when the house caught on fire. There was always someone to talk to about the any Deve…”

Fensley Chambers

End-to-end management

“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

Dependable support

“I originally filed a claim with my insurance company for business interruption due to covid closures. For 9 months of closure they came back to me with a settlement of £200. As I …”

Stacey Fitchett

Dependable support

“They helped us so much navigating a very difficult time.”

Pfavai McNab

Weight lifted

“A very professional company who transformed our nightmare situation when a relative’s house was seriously damaged by fire into a pleasure. They managed all aspects of the hou…”

Graham Pooley

Weight lifted

“We had a straight forward and stress free experience dealing with Morgan Clark as they handled our house insurance claim. They kept us informed each step of the way and gave us goo…”

Peter Corkhill

End-to-end management
Fire Claim – Hampshire

“Overall the service has been excellent from start to finish all the people involved with my claim have been professional, approachable, excellent at communicating information, fast…”

Kyle Belgrano

End-to-end management

“Morgan Clark are of diamond class – my experience started 3 years ago after a house fire and the team showed me the confidence from day one. I would probably need 5000 words …”

Jasbir Singh

Weight lifted
Fire Claim – Suffolk

“First class. Given the scale and complexity of our claim, we don’t believe we could have coped without you. Having Morgan Clark handling and negotiating things on our behalf …”

Mr & Mrs Metherell

Dependable support

“If you find yourself having to make an insurance claim, look no further your prayers will be answered by Morgan Clark I had a fire at a property i own some distance from my home. A…”

Sarah Crowe

End-to-end management

“Morgan Clark took over the whole process and managed it using all their expertise on my behalf. This left me feeling confident that they negotiated the best possible outcome for me…”

Mrs Jane Hampshire

End-to-end management

“I had a fire at my home around Christmas time causing extensive damage, you can image how stressful this is, what do I do, who do I contact, what’s going to happen now, will my i…”

Neil Kelly

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

Dependable support
Impact Claim – Dorset

“Given the circumstances we could not ask for any more. Very helpful over a long period of very frustrating dealings with the Insurance Company and their Adjuster.”

P. Hillier

End-to-end management
Fire Claim – Leeds

“This process is very nerve wracking at the beginning . Morgan Clark once involved removed all the hassle . All parties involved have been superb from start to finish.”

Richard Robinson

Dependable support
Fire Claim – Tiverton

“I was very happy with David’s work and I cannot praise his persistence enough. I do not think I could have achieved as good repairs without his help.”

D. Reed

Dependable support

“I had never had to make a large insurance claim, so when a tree fell on my home and made it uninhabitable, I did not know where to begin. Morgan Clark came to my rescue and I could…”

Jane Lindsay

End-to-end management
Fire Claim – Essex

“The service I received has been absolutely fantastic from start to finish from everyone involved in the process.”

L. Bond

Dependable support

“From initial contact to the successful conclusion, the process was explained step by step. Regular contact was maintained throughout with weekly updates. A thoroughly professional …”

Peter Brennan

Genuine care

“I was recommended Pino Musso who works at Morgan Clark from a friend who had suffered a fire in his home. After the initial meeting I didnt have to lift a finger. Pino kept me upda…”

Anthony Fairclough

End-to-end management

“I contacted Morgan Clark when my water pipes burst and flooded the whole house. It was a painful experience but as soon as Morgan Clark took over I felt a weight had been lifted. T…”

Miss Julia Morley-Drulia

End-to-end management
Fire Claim – Coventry

“I have no complaints or issues to raise with the service provided, you have been brilliant! Ryan has been a tremendous help throughout the whole claim. He was always on hand to ans…”

H. Aujla

Dependable support
Flood Claim – East cowick

“…we would have been lost without the advice martin chapman / morgan/clarke provided. we did not know what to expect in the way of settlement , and we were delighted with the …”

Mick Bielby

End-to-end management

“I had a large fire at a rental property and a rep from Morgan Clark contacted me out of the blue to explain the services they could provide, at first it sounded too good to be true…”

Stephen Saunders

Dependable support
Escape Of Water Claim – Middlesex

“Gilbert’s whole approach, his knowledge from various perspectives across the insurance industry and his personable manner made him easy to deal with and very helpful througho…”

L. Foulds

Weight lifted

“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

Genuine care
Fire Claim – Brinscall, Lancastershire

“Pino from the outset was amazing. He was reassuring and his approach enabled me to see the exit point from what was a very difficult time for me and my family. The (settlement) amo…”

John Simpson

End-to-end management
Fire Claim – Nelson

“Exceptional service. Extremely happy with the whole process and how quick the settlement was given. Will definitely recommend to anybody who was put in the same situation as us. Se…”

Mr Nazar

Dependable support

“Morgan Clark were very efficient, very supportive and very efficient in representing our claim. They navigated the difficulties of dealing with the insurers and came through. We co…”

Richard McNab