Flood insurance claim advice for business owners

Business Owner, friendly, man

A flood at your business can threaten its future as you have to manage a complicated insurance claim while trying to fulfil existing orders, retain customers and get your business fully functioning again. During this time, your insurance company will not pay any costs to you until they are satisfied they are liable and you have met all the conditions in your insurance policy.

Morgan Clark Loss Assessors offer a complete insurance claim management service. If you choose to appoint Morgan Clark, you will be assigned a dedicated commercial Loss Assessor. Their focus will be to safeguard your business and ensure you are operational again as soon as possible. Our expert forensic and consequential loss accountants will accurately calculate your Business Interruption claim to protect you against any financial loss, as the building restoration is taking place.

How we will help you with your commercial flood 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 get your business back up and running as quickly as possible, ensuring you receive the full settlement you’re entitled to

Find out how we helped Stoneworld Ltd business when they had a flood, here’s what they said about the experience

https://www.youtube.com/watch?v=75jny_Z4znk

Following a major flood that destroyed vital stock and equipment Sharma turned to Morgan Clark to safeguard the future of her business.

Popular Questions

What will my insurance company think if I appoint a Loss Assessor? faq plus icon to expand accordian

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.

Doesn’t my insurance company manage my claim? faq plus icon to expand accordian

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.

What’s the difference between a Loss Assessor and a Loss Adjuster? faq plus icon to expand accordian

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.

How much will this cost? faq plus icon to expand accordian

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.

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
I can’t recommend Morgan Clark enough

I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine …

Trusted Customer – November 24, 2021

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Excellent would recommend to anyone

After a serious flood Morgan Clark were recommended, we met Dan Norris who was the most wonderful , kind and helpful …

Mrs Donovan – February 10, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Outstanding service

Expert advice which ensured our claim was settled legitimately and comprehensively

Trusted Customer – February 10, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star

Very professional frist time I’ve clamed and did all the work for us

Mr & Mrs Howard – February 10, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Exceptional service from start to finish

From start to completion Morgan Clark have been exceptional. They took away the stresses of dealing with insurers and with …

Trusted Customer – May 17, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
So helpful keeping good contacts when you needed

Very helpful kept us in touch all times easy to speak to Martin Chapman top man

Trusted Customer – August 9, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Absolutely fab company

What an absolutely fabulous company, they took all the stress and hard work from us and sorted everything, what started …

Joanne McVicar – August 18, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Extremely professional and considerate

From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of …

Trusted Customer – September 1, 2022

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Vital in getting the insurer to accept the liability …

“Morgan Clark understood the policy wording on our landlord insurance policy which has been vital in getting the insurer to …

Mr Seedat

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
You took all the worry away from us …

“We were in a very bad place following the fire when we contacted you after a random internet search. You …

Ms Brandon

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Outstanding customer service and experienced staff …

“Extremely high standard of service. Extremely professional, both representatives that dealt with the case, Nathan Robertson and Ryan Field, gave …

Mr Asif

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
You did it all for us and we can’t thank you enough …

“We have found you extremely easy to deal with and to be honest you made the process very easy for …

Ms Hall

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Alan was very helpful, friendly and extremely informative …

“Alan was very helpful, friendly and extremely informative. He guided us through the initial process of making a claim after …

Ms Wilson

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
We could not have done this without you …

“Exemplary! There was no occasion when we did not feel fully informed about the progress of our claim and the …

Mr & Mrs Biggs

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Never have I come across a team of people who exceeded my expectations…

“I have worked as a professional all my life. Never have I come across a team of people who exceeded …

Mr Rabinowitz

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
We have recommended your company and would do again …

“Paul was very helpful and explained all the options and kept us updated taking a lot of stress and time-consuming …

Mr Boylan

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Reassuring advice throughout …

“All parties involved at the site meetings were so helpful and absolutely professional in organising the repair of our house …

Mr & Mrs Mc Ginness

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Reassuring advice throughout …

“Due to the poor experience with the loss adjuster we never thought that we would have our house returned to …

Mr Nazir

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
We can’t thank you all enough…

“I was constantly kept informed by email, text and phone whenever there was a new development concerning the insurance company, …

Mr & Mrs Badder

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
An outstanding service…

“This is the second time we have used your service. What you offer is an outstanding service at a time …

Mr Lund

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
I know I would not have coped without them…

‘My team’ as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and …

Mrs Hampshire

  • Filled star
  • Filled star
  • Filled star
  • Filled star
  • Filled star
Highly supportive and we cannot recommend them enough…

Our high level of satisfaction with Morgan Clark comprised of many fundamental components including communication, teamwork and collaboration …

Dr Baqar & Mrs Ali

fca morgan clark

We are authorised & regulated by the Financial Conduct Authority (FCA)

This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.