Flood insurance claim advice for business owners

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 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

Navigating claims – clients share their stories

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North Business Interruption Claims

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned… read more

London Business Interruption Claims

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to… read more

Business Interruption Insurance Explained

What is business interruption insurance? Why do businesses need business interruption insurance?… read more

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 does Morgan Clark charge? 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.

What our customers are saying about us

  • Weight lifted

    “Superb professional highly experienced service. Took all the stress out of an already shocking situation of dealing with fire damage. Highly recommended to anyone dealing with insu…”

    Mohammed Ghazi

  • 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
    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

  • Exceeded expectations
    Flood Claim – Doncaster

    “Following flooding in November 2019 which affected my home, business and the entire village I realise how very fortunately I have been to have had my insurance claim handled by Mar…”

    Pam Webb

  • End-to-end management
    Fire Claim – Portsmouth

    “Cannot be faulted in any area as far as we were concerned. Superb, effective and supportive throughout the process.”

    Mr H. Raison

  • Genuine care
    Fire Claim – Preston

    “Pino and Sarah dealt with my claim in a professional, Friendly and efficient manner keeping me updated at all times and pursuing my insurers loss adjusters who were inadequate. I k…”

    Rizwan Patel

  • Dependable support
    Fire Claim – Surrey

    “I had no idea there were people out there who would fight my corner with the insurance company until I spoke to Alan. They were professional and friendly, both attributes I needed …”

    James Pinhorn

  • End-to-end management

    “What an absolutely fabulous company, they took all the stress and hard work from us and sorted everything, what started as an horrific time for us having a major fire, was made so …”

    Joanne McVicar

  • 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

    “I have already spent nearly an hour giving in detail my good experience with this company . cannot spend another hour to say it was all good.”

    Prue Macpherson

  • 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

  • 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

  • Weight lifted
    Escape Of Water Claim – Recentre-Health Ltd, London

    “Morgan Clark is a highly experienced, professional company which delivers a valuable service at a fair price. I have been continually impressed by all those in the company with who…”

    Tom Roberts

  • 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

  • Dependable support
    Fire Claim – Leicester

    “Sunny, Ryan and Bev all provided a faultless exceptional service. I have worked with Ryan on more than one occaision, He has been attentive, diligent and has persevered/persuaded …”

    J. Hussain

  • End-to-end management

    “I had a large fire at a rental property and a rep from Morgan Clark contacted me out of the blue to explain the services they could provide, at first it sounded too good to be true…”

    Stephen Saunders

  • Dependable support
    Fire Claim – Devon

    “Despite these unprecedented times (COVID) you have fulfilled what you had set out to achieve on our behalf and we are pleased with the outcome. We think that you managed extremely …”

    C.P. Bradley

  • Dependable support

    “We where very grateful for the expert advice and service we received form David and Natalie for what was a complicated and protracted claim with unhelpful Sedgwick loss accessors.”

    Stephen Edwards

  • End-to-end management

    “The service we received from Morgan Clark was absolutely outstanding from start to handover of the property. From Pino’s appointment as our representative with the insurance clai…”

    Frank Wharton

  • Dependable support
    Fire Claim – Stockton on tees

    “Overall I am very very satisfied with the outcome. Absolutely brilliant. 10/10. Settlement exceeded my expectations.”

    S. Shafiq

  • 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

  • Dependable support
    Fire Claim – Bingley

    “I was very impressed with the overall standard of service. I was having a very stressful time before the fire and was very grateful that I didn’t have to deal with the house …”

    Emma Clough

  • Weight lifted

    “Supportive, friendly, professional, efficient they got my stalled claim going, took the stress out of a horrible situation and me back in my home”

    Roger Vince

  • Genuine care
    Fire Claim – Dewsbury

    “Having never been through anything like this before it was re-assuring to know Pino was there to take the weight and liaise with my insurance company on my behalf. Great service wh…”

    Victoria Gray

  • Dependable support

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

    Naz Ahmed

  • Dependable support
    Fire Claim – Herefordshire

    “We are just so grateful for your involvement and help. The loss adjusting firm were an awful company to deal with so it was not an easy job for Paul. We certainly couldn’t have d…”

    Nicola Addis

  • 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

  • Dependable support

    “After a serious fire at my home. I employed Morgan Clarke. Bedfords surveyors and Response and Restore to manage the process and undertake the Remedial work. I found all the compan…”

    John Lonsdale

  • Genuine care

    “We were overwhelmed by a severe escape of water that seriously damaged our home. Morgan Clark provided professional help and reassurance at a difficult time greatly reducing the s…”

    Mark Billen

  • Weight lifted
    Fire Claim – Suffolk

    “First class. Given the scale and complexity of our claim, we don’t believe we could have coped without you. Having Morgan Clark handling and negotiating things on our behalf …”

    Mr & Mrs Metherell

  • Dependable support
    Fire Claim – Bolton

    “I have been grateful of the help given to me and guidance during this period of time of trauma when the house caught on fire. There was always someone to talk to about the any Deve…”

    Fensley Chambers

  • Dependable support

    “Absolutely brilliant service from everyone involved in our house renovation “

    “Thanks Mick Hindle”

    Mick Hindle

  • Dependable support

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

    Mr & Mrs Robinson (Brian & Pamela)

  • Genuine care
    Business Interruption Claim – Leaps and Bounds, Truro

    “Kind, calm and experienced. I had faith in his ability to sort out this mess”

    Betty Heather

  • Dependable support

    “We found ourselves in a position of having to make a claim, a loss adjuster attended from the insurers with an offer being made shortly afterwards. Being a loss adjuster myself, I …”

    Karl Morse

  • 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 – Ashbourne

    “I have been very pleased with the standards of care and professionalism from Martin Chapman of Morgan Clark. Settlement exceeded my expectations”

    Kieran Phelan

  • End-to-end management
    Fire Claim – Coventry

    “I have no complaints or issues to raise with the service provided, you have been brilliant! Ryan has been a tremendous help throughout the whole claim. He was always on hand to ans…”

    H. Aujla

  • Genuine care
    Fire Claim – Brinscall, Lancastershire

    “Pino from the outset was amazing. He was reassuring and his approach enabled me to see the exit point from what was a very difficult time for me and my family. The (settlement) amo…”

    John Simpson

  • Dependable support
    Fire Claim – Cambs

    “Without this service I would not of known where to start. The fire chief on the night gave me a card with morgan Clark details on and that was the start of me being able to deal wi…”

    Mrs Devina Crane

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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