Fire insurance claim information for business owners

A fire at your commercial premises can put your whole business at risk. Delays in getting liability accepted by your insurers can have a dramatic effect on cash flow, as they will not pay anything until they are satisfied that they are liable and that you have met all the conditions outlined within your insurance policy.

Morgan Clark provides a complete claims management service. Your dedicated specialist commercial Loss Assessor will work on your behalf to safeguard your business and get you operating again as quickly as possible. As the restoration is underway, our expert forensic and consequential loss accountants will accurately calculate your Business Interruption claim to protect your organisation against any financial loss.

You will able to focus on client retention, fulfilling orders, your staff and re-establishing your business while your Loss Assessor is negotiating the very best settlement for your business.

How we will help you with your commercial fire insurance 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

Guidance for Fire-Affected Business Owners: Insurance Support Videos

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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

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

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

End-to-end management

“We suffered from fire damage on a rental property, which was through no fault of ourselves or tenants. Rob Godlonton contacted us and explained what help Morgan Clark could provide…”

Ian Reynolds

Genuine care
Fire Claim – Lancastershire

“Pino was always available to talk, and guided us through the process. Liased directly with the insurers and put our minds at ease. Settlement exceeded my expectations.”

J. Tyson

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

Weight lifted

“Well I can’t praise Natalie and David enough. We were in a dreadful situation and they made it quite plain sailing. Reassured me often and was always in touch, nothing too mu…”

Margaret Smith

Exceeded expectations

“First Class service!!!! Absolutely fantastic service from day 1. Nathan at the beginning helped advise me due to a house fire at the very beginning and his service was excellent. T…”

Trustpilot Review

Dependable support

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

Crighton Mather

End-to-end management
Fire Claim – Hants

“Quite simply, Morgan Clark have seen us through something I don’t feel with could of handled on our own. We would not hesitate to recommend Morgan Clark to anyone. From the m…”

G. Yates

Weight lifted

“I have worked with Morgan Clark on more than one occasion. I truly believe customer satisfaction and providing all round exceptional service to the customer is their company ethos….”

J Hussain

Dependable support

“Well done as I expected.”

Mr Sun

End-to-end management

“From start to finish the standard of service was high. Communication was excellent and each stage was clearly explained. Response to queries and problems was very prompt and very e…”

Miss Lesley Clements

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

Genuine care
Flood Claim – Burnley

“We hadn’t a clue where to start with our claim, Pino visited the property and advised us and our tenants how to proceed.”

Duke Cowgill

Dependable support

“All admin and associated works were taken care of, in a professional way. Also I was kept up to date on a regular basis. Brilliant service”

Dave Berry

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
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

Weight lifted

“I have worked with Morgan Clark on more than one occasion. I truly believe customer satisfaction and providing all round exceptional service to the customer is their company ethos….”

Javed Hussain

Dependable support

“When I got the news that a house I was letting had a serious fire that made it uninhabitable I was full of dread about how I would cope with whatever was to come, before I had it b…”

Catherine Fryett

Weight lifted

“The service Morgan Clark provided was exceptional and I would highly recommend them to anyone. At a time when things are challenging, they helped take away a lot of the stress and …”

Nicholas Leigh

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

Genuine care

“Pino was fabulous. Even at 7pm he answered the phone.”

Yuen Ling Tse

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

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

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

Dependable support
Fire Claim – Farnham

“Spoke in words I could understand, and explained clearly all procedures. I felt comfortable asking any questions as I had never had to deal with anything like this. Made a difficu…”

A. Martin

Dependable support

“Mr Mathew Rawlingson was recommended by a client of his. I contacted him briefly some time ago and found him helpful and approachable. I phoned him on Monday 15th. I was agreeably …”

Antony Lentin

Dependable support

“Ian was a gentleman and absolute professional in his introduction of Morgan Clark and its insurance assessor services to us. He has a very calm friendly reassuring approach, no har…”

Fire Claim – Worcester

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

Dependable support
Fire Claim – South Yorkshire

“Morgan Clark were great to work with. If I had a significant claim and or knew someone who has, I would not hesitate in using them again or recommending them. Settlement exceeded …”

I. Reynolds

End-to-end management
Escape Of Water Claim – Kings Langley

“From the first conversation, Matt was thorough, patient and incredibly understanding. He removed any panic and stress that I possessed from the previous encounters with the insuran…”

J. Boyd

Dependable support

“We are very pleased with Morgan Clark and how they were professional throughout the process. We have learned a great deal from Martin and we were very impressed with his knowlege a…”

Mr Denham

End-to-end management
Fire Claim – Cambridgeshire

“As you can imagine, after our house fire we were very scared and apprehensive about the whole insurance claim and subsequent works. We had never experienced anything like this in t…”

Tony Cornwell

End-to-end management

“Morgan Clark dealt with every aspect of our insurance claim right from the very start. I am so thankful that the day after we were flooded, a representative from Morgan Clark was t…”

Miss Tracey Lord-Braddock

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

“Until I had a serious house fire in May 2019 I had no ideas that companies like Morgan Clark existed. But let me tell you when your world has fallen apart the last thing you need i…”

Robert Hirst

Dependable support
Escape Of Water Claim – Derbyshire

“For a claim of this size I am so glad i decided to let Morgan Clark handle it, as to do so myself would have been very time consuming and stressful.”

I. Grief

Genuine care
Explosion Claim – Preston

“Our initial dealings started with Nathan who introduced me to Pino Musso who then dealt with my claim start to end which was brilliantly handled and always kept me informed. Very e…”

P. Singh

Dependable support

“I can’t commend Morgan Clark enough! Without them being by side I’m not sure how I would’ve got through the terrible ordeal of having my property burnt down. Th…”

Mr Kunner

Weight lifted

“We are both pensioners in our 70’s. Eight years ago we let our family home to supplement our pensions. Unfortunately, there was a fire incident in the kitchen. The occupiers were…”

Mr Choudhary

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

Find out what this protection means for you here.

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