Burst pipe insurance claim advice for business owners

Following a burst pipe at your place of business, not only will you be faced with overcoming the physical disruption, you also have a complicated insurance claim to deal with and until your insurance company is satisfied that you have met all the conditions of your insurance contract, you will not receive any payment.

Morgan Clark can protect your business against any financial loss by providing a complete claims management service. Should you appoint us, your dedicated commercial Loss Assessor will focus on safeguarding the future of your business. Our consequential Loss Accountants will accurately calculate your Business Interruption claim while the physical restoration of your business is underway.

We will take the pressure off you by dealing with the insurance company and their Loss Adjuster, so you can focus on your customers, staff and re-establishing your business.

How we will help you with your commercial burst pipe claim…

Our aim is to reduce the time our clients have to spend on their insurance claim. As you will have your Loss Assessor’s direct contact details, they will be your single point of contact throughout the claims process and you will no longer have to go through your insurance company’s call centre.

There will be many time-consuming elements to your insurance claim, with Morgan Clark on your side you can rely on your Assessor to…

  • Negotiate interim emergency payments to maintain cash flow
  • Help you find alternative premises to continue to run your business
  • Compile and present your insurance claim to cover buildings, fixtures & fittings, contents and stock
  • Calculate your true Business Interruption claim to protect your business against financial loss

We will help you get your business back up and running as quickly as possible, working to secure the best settlement under the terms of your policy

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.

What our customers are saying about us

End-to-end management

“Morgan Clark were absolutely brilliant from start to finish with our insurance claim. With going through a difficult personal matter, and to then have a house fire on top that requ…”

Sally Harris

Dependable support
Escape Of Water Claim – Norwich

“From initial call, site visit was quick and very informative. The overall standard for start to finish was excellent with all involved. Dan was very helpful through this very hard …”

Ian Jackson

Weight lifted

“Martin, Sarah and Nathan were brilliant. I was traumatised after a fire and they looked after everything, answered every question and concern that I had. They relieved me of so muc…”

Shahina Begum

Dependable support

“We experienced a house fire in 2022. The first couple of weeks after the fire were just awful. The loss adjuster our insurance company used to handle our claim were possibly the wo…”

Mrs Addis

End-to-end management

“I was absolutely devastated to see my house destroyed due to a burst water pipe and was struggling to get a meaningful response from insurance company. That’s when my friend …”

Manjusha Rathi

Dependable support

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

Coastal Estate Management Ltd

Genuine care

““Pino was great through out. explained everything, dealt with everything and answered all questions I had without making me feel stupid when I had just been through quite a t…”

Stephen Potter

End-to-end management
Lightning Claim – Bury

“Our high level of satisfaction with Morgan Clarke comprised of many fundamental components including communication, teamwork and collaboration skills, problem-solving, accuracy and…”

Dr Baqar & Mrs Andrea Ali

Dependable support

“We were delighted with the help and support we received from Morgan Clark. We really couldn’t have completed this claim without them. Was very pleased with the settlement receive…”

Fire Claim, Cornwall

Weight lifted

“After experiencing a house fire that… After experiencing a house fire that turned my world upside down. Thank goodness for Morgan Clark. They took all the stress and emotional wo…”

Jane Ennis

Dependable support
Fire Claim – Beverley

“There is nothing to improve, 5 stars in all areas. Settlement exceeded my expectations.”

Bryoni Butler

End-to-end management

“Superb from start to finish. Really helped through the process . Took away the anxiety i had. Brilliant every step of the way.”

Mr Richard Robinson

End-to-end management

“They have been hugely responsive and sensitive to our requirements (and mental well being) as it has been a long process as my mother’s home dramatically caught fire on Chris…”

Fire Claim, Bridgend

Dependable support
Business Interruption Claim – Bournemouth

“Absolutely recommend David to anyone who is making a claim….could not be happier. Settlement exceeded my expectations.”

Dan Cattell

Genuine care

“I was a little apprehensive when I received a knock on the door not long after a fire at my rental property. Rob from Morgan Clark explained what the company could do for us and ho…”

Sarah Ramsay

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
Impact Claim – Essex

“He was extremely helpful and friendly and we knew we were in good hands.”

M. Forkan

Genuine care

““Paul made the whole process so much easier than it would have been. He was friendly, patient and incredibly knowledgeable. Settlement exceeded my expectations””

Kerry Davies

Dependable support
Fire Claim – Blackburn

“There is nothing I would ask you to change… the staff at Morgan Clark especially Pino have been extremely professional.”

Bilal Yusuf

Dependable support

“Fantastic people to deal with, very informative and certainly recommend”

Naz Ahmed

Dependable support

“First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.”

Trusted User

Dependable support
Escape Of Water Claim – Lancashire

“Excellent service. First class. No negative feedback to give. Very personable and professional. Put me at ease during a very worrying time.”

Rebecca Bond

Genuine care
Fire Claim – Wigan

“Standard was, in a nutshell excellent. We most definatley couldn’t have managed without Pino,Sara , Robert and everybody else involved. Pino and Sarah were very, very helpful…”

Steve Ashcroft

Dependable support
Escape Of Water Claim – East Sussex

“I don’t have enough words to express the overall standard of service we received as they seem inadequate. Without finding your company on line I honestly don’t know what we would…”

W. Stubbings

Dependable support
Fire Claim – Swindon

“Ryan was fantastic – he has an abundance of experience on both sides of the fence; client and insurer. I truly do not feel my claim would have been paid without his support &…”

Colin Cox

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

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

“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 – Worcestershire

“Very Professional and nothing was to much trouble. Settlement exceeded my expectations”

R. Sitek

Dependable support
Fire Claim – Derby

“Paul was always on hand when needed, he always seemed and sounded very calm which kept me calm. because of paul my life carried on almost as normal. Not having to think or constant…”

Stephen Grounsell

Dependable support
Fire Claim – Spalding

“Dan was great. Dan did a fantastic job… I would definitely recommend MC… Settlement exceeded my expectations.”

William Ruddle

End-to-end management

“Very professional and extremely helpful. Took care of everything relieving the stress throughout a difficult time.”

Trusted User

End-to-end management
Fire Claim – Walton

“Robert was very informative and alleviated any concerns we had… Robert reassured us and said we could call him at anytime, which we did, with many questions and he was accomm…”

R. Carroll

Dependable support
Fire Claim – Somerset

“Following the fire I felt very anxious how I would be able to manage the restoration. My son arranged Morgan Clark following a visit to the site by a representative. I was not awar…”

C. Haines

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

Dependable support
Fire Claim – Essex

“We can’t express enough our gratitude for everyone involved in the rebuild of our house and dealing with the insurers. Everyone was friendly, professional and knowledgeable a…”

Ellie Hartland

End-to-end management
Fire Claim – Liverpool

“In such a sad circumstance the entire team were there for me, I felt reassured and secure they would get my home back. Can only give praise and thanks. Settlement exceeded my expec…”

P. Perry

Dependable support
Flood Claim – Devon

“He made us aware of things we genuinely hadn’t thought of. Whatever was a problem for me Natalie really couldn’t have been more helpful.”

M. Smith

Genuine care

“From the start our dealing with Robert Godlonton were fantastic. He explained everything to us what the company did and left us to think things over. Our assessor Pino Musso was ab…”

Sarah

Dependable support
Fire Claim – Cheshire

“Morgan Clark were absolutely fantastic. Professional, responsive, exceeds expectations, handles all calls, concerns, issues. Rebuild of house exceeds original spec. You have no w…”

Eddie Watkins

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

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