Flood insurance claims help

If your home or business has been affected by flooding, we’re here to help you through the insurance claim

Flooding can cause serious damage to structures, electrical systems, fixtures, contents, and stock. The full extent of the damage isn’t always immediately visible, and problems can worsen if not addressed quickly. Acting promptly is essential to protect your property and secure a fair insurance settlement.

Why a Loss Assessor Matters After a Flood

Flood recovery is a specialist process. Properties must be carefully dried, cleaned, and restored to prevent long-term issues such as residual moisture, mould growth, contamination, or structural deterioration. If flood damage is not handled correctly, these problems can appear months later and may not be covered by your insurance.

A dedicated Loss Assessor manages the entire restoration and claims process. They coordinate surveyors, restoration specialists, and contractors, and handle all communication with your insurance company and Loss Adjuster, allowing you to focus on your family, tenants, or business while your claim is properly managed from start to finish.

How Morgan Clark Can Help

Trusted by thousands of clients across the UK since 1999, Morgan Clark are independent Loss Assessors who work for you, not the insurance company. We provide fast, professional support and ensure your claim is handled efficiently and fairly.

You can choose the level of involvement that suits you – from full claim management by our team to working alongside your Loss Assessor at every step. Our goal is to make the process as smooth and straightforward as possible.

Dan Norris, Loss Assessor

10+ years' experience

Speak to an expert, like Dan, who will fight for everything you're entitled to

Free FCA Regulated Support

Your claim resolved as quickly as possible

Experts negotiating on your behalf can expedite the process significantly.

Equal representation at every stage

Never feel outnumbered – your dedicated Loss Assessor works exclusively for you.

Secure your full settlement

We focus negotiations on achieving the best possible settlement for you.

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.

What our customers are saying about us

Weight lifted
Fire Claim – Derbyshire

“Very satisfied with the way my claim was dealt, I did not need to worry about the process. Rapid response to all my request. Settlement exceeded my expectations.”

S. Barszczewski

Dependable support

“We would definite;y recommend Morgan Clark. The service they offered was excellent and we realise we could not have managed to do the job ourselves nearly as successfully.”

Lesley Horne

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

Dependable support

“Could have not managed the restoration without them”

Mrs Christine Haines

End-to-end management

“Morgan Clark have been excellent to deal with from the outset. Contact has been quick and the process well explained. I would recommend them.”

Mr Harradine

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

“Morgan Clark really helped me with a settlement that was very challenging and made a very distressing situation as easy as possible. Communication was great, my loss assessor Marti…”

Vikki Cornforth

Dependable support

“We were flooded on Sunday 9th Feb 2020 due to Storm Ciara. We contacted Morgan Clark to act for us with our claim. In spite of lockdown due to Covid-19 they dealt with the claim ve…”

Vivien Cowgill

End-to-end management
Escape Of Water Claim – Hitchin

“This has been a very difficult and stressful period for us. Until MC took over, we were ignored and felt powerless by Davies. We just didn’t trust them based on their past b…”

S. Sira

Weight lifted

“Really happy I got them involved with my claim they took a lot of stress out of a very difficult situation where open from the beginning about what was involved and what to expect …”

James Sinclair

Exceeded expectations
Fire Claim – Milford Haven

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

J. Brayley

Weight lifted
Escape Of Water Claim – Nottingham

“Mr Paul Taylor was extremely professional. He looked after my interest and ensured that I got a fair deal. He took the stress out of navigating an unfamiliar system on my own. With…”

Dr M. Rathi

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

Dependable support

“I had a huge problem with a claim I have made on my insurance company covering building insurance. After 7 months of calls and stress, a quick google search solved the problem. I d…”

Paololuca

Dependable support
Fire Claim – Burnley

“The standard of the service was very good. I thought it took a long time to start the actual work but I realise my insurance company are slow at making decisions and there was the…”

Veronica Pearce

Dependable support

“Until we suffered a serious house fire in 2016, we had never heard of an insurance assessor and had absolutely no idea of their function. We were alerted to their existence by neig…”

Catriona Chase

Dependable support
Flood Claim – Staunton on Wye

“I cannot speak highly enough of Morgan Clark and all of its associated teams. When we initially contacted you, we did not really have any realistic idea of what lay ahead in terms …”

J. Fisher

Dependable support
Flood Claim – Exeter

“David very patiently answered our technical queries and we had complete confidence in his advice.”

K. Vickers

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

End-to-end management

“They held our hand through the whole process, dealing with the insurers and appointing surveyors and builder, they were always available to answer any questions we had and deal wit…”

Mr & Mrs Mclean – L.U.V property Ltd

Genuine care

“You navigated me through a horrible experience with patience and understanding If I hadn’t had your service I think I would still have a damp property as I certainly had no …”

Annette Goldsmith

Dependable support
Fire Claim – Fflintshire

“We felt the assessors were ‘our team’ and tried to obtain the best result they could. Settlement exceeded my expectations.”

Christopher Hetherington

Dependable support

“Great service with the whole claim.
Kept well informed informed and always had quick replies from questions.
Very impressed”

Wayne

End-to-end management
Malicious Damage – Lancashire

“Firstly I must thank Bill, who had used Morgan Clark’s services and suggested we make contact when we needed help. Standard of service is just wonderful taking all pressure and s…”

Marion Glen

End-to-end management
Fire Claim – Leicester

“Ryan who was my point of contact kept me informed throughout the entire process as well as chasing insurance company repeatedly to ensure they were moving at the required pace. Set…”

Javed Hussain

Weight lifted

“Exemplary service, no wonder you’re a market leading company. Martin took charge of all matters lifting the burden off my shoulders when I had recently lost my mother. Both Marti…”

Fire Claim, Grimsby

Dependable support

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

Pfavai McNab

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 had the privilege of instructing Morgan Clark after a devastating fire at one of my rented properties, and I must say, they were a true lifesaver. Ryan, in particular, stood out …”

Matthew Lewis

End-to-end management

“We had a fire at our house. Morgan Clark acted as a loss adjuster on our behalf with our insurance company. This made what was a very stressful situation much less so. They helped …”

Molly Soe

Dependable support

“We approached Morgan Clark to assist us with an insurance claim during Covid. Their service has been fantastic from the beginning. David Kelly and Sarah Lohan have been our main co…”

Shirley Hanson

Dependable support
Fire Claim – Bournemouth

“Just excellent teamwork all round from my perspective, to get the job done in the best way possible. I have no negative comments to bring. Settlement exceeded my expectations.”

P. Macpherson

Dependable support

“Well done as I expected.”

Mr Sun

End-to-end management

“From start to completion Morgan Clark have been exceptional. They took away the stresses of dealing with insurers and with their professional team of surveyors and loss adjusters m…”

Riz Patel

Dependable support
Fire Claim – Ulverston

“Martin Chapman was Calm and knowledgeable.”

M. Vipan

End-to-end management

““We cannot possibly say in a few words how much we appreciate the support and compassion that we received throughout the process.””

David and Linda Heckles

Genuine care

“Excellent service from Morgan Clark throughout our whole claim process. We felt like they were understanding and empathetic of our situation. Excellent communication also throughou…”

Jay

Dependable support
Fire Claim – Hastings, East Sussex

“During this very traumatic, life changing experience we were extremely relieved to have instructed Morgan Clark to deal with the claim. Their help, knowledge and expertise was very…”

Catherine Wilson

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

Exceeded expectations

“I had a fire at a property i own some distance from my home. At the time i was caring for my elderly unwell mother. The company i needed to assist was definitely Morgan Clarke. Ini…”

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