Flood insurance claims help
If your home or business has been affected by flooding, we’re here to help you through the insurance claim
If your home, rental property, or business has been affected by flooding, we’re here to guide 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.
Who we help…
Homeowners
Protect your home and personal belongings
Business Owners
Ensure your property and tenants are fully covered
Landlords
Safeguard your premises and business assets
Let Morgan Clark help resolve your claim quickly and achieve the best settlement possible under the terms of your policy.
24/7 support
0808 159 3249Popular Questions
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What will my insurance company think if I appoint a Loss Assessor?
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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.
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Doesn’t my insurance company manage my claim?
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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 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.
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What’s the difference between a Loss Assessor and a Loss Adjuster?
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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.
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How much does Morgan Clark charge?
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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.
What our customers are saying about us
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End-to-end management
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Exceeded expectations
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Weight lifted
Escape Of Water Claim – Nottingham
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Genuine care
Fire Claim – Merseside
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Dependable support
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.
For more information on FCA click here.
Your claim is in safe hands
As members of key professional bodies, Morgan Clark is committed to upholding the highest industry standards. We are also proud to support a number of charities both in the UK and overseas.
