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

Dan Norris, Loss Assessor

10+ years' experience

Speak to an expert, like Dan, who will fight for everything you're entitled to

Free FCA Regulated Support

Your claim resolved as quickly as possible

Experts negotiating on your behalf can expedite the process significantly.

Equal representation at every stage

Never feel outnumbered – your dedicated Loss Assessor works exclusively for you.

Secure your full settlement

We focus negotiations on achieving the best possible settlement for you.

Navigating claims – clients share their stories

1 / 3
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 Claims

Business Interruption Insurance Explained

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

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. Read more in Loss Adjusters: Your Questions Answered.

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.

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.

What our customers are saying about us

Dependable support
Explosion Claim – Portsmouth

“Such a professional standard of service they made everything so much easier by taking over all of the hard complicated stuff and making us feel that we where the customers not the …”

M. McCormick

Genuine care

“I was recommended Pino Musso who works at Morgan Clark from a friend who had suffered a fire in his home. After the initial meeting I didnt have to lift a finger. Pino kept me upda…”

Anthony Fairclough

Dependable support
Fire Claim – Middlesex

“As you are no doubt aware, having a house fire is a very stressful and traumatic event. From that point onwards I would have been somwhat at a loss as to how to proceed. I am thus …”

Ms M. Soe

Dependable support

“Morgan Clark represented us after a major leak required the interior of our home to be stripped back, dried out, and reconstructed over 7 months. They were very professional and re…”

David

End-to-end management

“Morgan Clark have been excellent to deal with from the outset. Contact has been quick and the process well explained. I would recommend them.”

Mr Harradine

Genuine care

“Morgan clark were excellent from the word go. Their representative Pino was informative, supportive, understanding and easily contactable. The advise they gave was extremely helpfu…”

Richard Roberts

Dependable support
Fire Claim – Glossop

“We were very happy with the service we received. Friendly & Professional. Settlement exceeded my expectations.”

Sandra Taylor

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
Fire Claim – Ripley, Derbyshire

“Martin Chapman was excellent – regular contact by phone”

Simon Phillips

Dependable support

“The service provided by Morgan Clark was exceptional from from the start to the end of the claim. After agreeing to appoint Morgan Clark as our loss assessors, we did not have to w…”

Mr Ashfaq

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

End-to-end management

“Pino and the team at Morgan Clark were simply outstanding from the first appointment to the completed job. We really could not have asked for more. It was a big job too after a fir…”

Mr Harrison

Dependable support
Fire Claim – Spalding

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

William Ruddle

Dependable support
Fire Claim – Middlesex

“We were happy with Morgan Clark. We felt that Sara who initially dealt with our claim was excellent”

Léonie Jill Wood

Dependable support
Fire Claim – Cambridge

““My team” as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and with total support when I was finding all t…”

Jane Hampshire

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

Dependable support

“Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

Shirley Hartnell

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

Dependable support
Flood Claim – Manchester

“In the midst of a really stressful time and having dealt with insurers ourselves, Morgan Clark swooped in to save the day. Morgan Clark are aware of things that you are eligible fo…”

J. Collins

Dependable support

“We were flooded on Sunday 9th Feb 2020 due to Storm Ciara. We contacted Morgan Clark to act for us with our claim. In spite of lockdown due to Covid-19 they dealt with the claim ve…”

Vivien Cowgill

Dependable support
Flood Claim – East cowick

“…we would have been lost without the advice martin chapman / morgan/clarke provided. we did not know what to expect in the way of settlement , and we were delighted with the …”

Mick Bielby

Dependable support

“Qute simply I don’t think that the end result of a beautifully restored house would have been achieved without Morgan Clark’s Marc Ross handling our claim with the insu…”

Mr Stainer

Genuine care

“Morgan Clark Remove The Stress What can you say about Pino Musso? Morgan Clark & Pino. I probably shouldn’t pick out one individual but, if ever you are unfortunate enou…”

Genuine care

“I cannot fault the service I received, everyone I dealt with were very helpful . I was treated with the utmost respect at all times as the incident was very traumatic due to the fa…”

Impact Claim, Cambridgeshire

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
Fire Claim – Manchester

“Ryan was very helpful and an asset to your company, very friendly and professional, always emailed and called with updates, went out his way to help and made this stressful task ea…”

M. Amin

Weight lifted

“Highly recommend – a must have on a major house insurance case They took the administrative burden off us as much as possible during a very stressful period after flooding of…”

Lisa Hunt

Dependable support

“They helped us so much navigating a very difficult time.”

Pfavai McNab

Dependable support
Fire Claim – Bristol

“Service was very good, David Lawton kept me informed even though the loss adjuster is taking his time to finalise the contents settlement. I had no problems in contacting David at …”

Edwin T Hughes

Dependable support

“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…”

Mr McDonald

Weight lifted

“I think on reflection the most important service you gave was to take the load from my shoulders.Dan and Denise smoothed out problems that I was unaware I had at the time.The traum…”

James Pinhorn

Dependable support

“Great service with the whole claim.
Kept well informed informed and always had quick replies from questions.
Very impressed”

Wayne

End-to-end management
Escape Of Water Claim – Hitchin

“This has been a very difficult and stressful period for us. Until MC took over, we were ignored and felt powerless by Davies. We just didn’t trust them based on their past b…”

S. Sira

Dependable support
Escape Of Water Claim – Powys

“Never having been in this situation before, we were unaware of the role of Loss Assessors! It was mentioned by one of our friends, whereupon I must have googled it and discovered y…”

J. & P. Aldous

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

End-to-end management

“From start to finish my entire experience with Morgan Clark was extremely positive on all levels. I found Martin Chapman who helped guide me through the claim to be conscientiou…”

Michael Button

Genuine care

“We were recommended Morgan Clark and Pino Musso by a relative after my girlfriend and I had a house fire. Although Pino couldn’t represent us as our Loss Assessor because of …”

David Marshall

Genuine care
Escape Of Water Claim – Atherton

“Pino did a great job. Settlement exceeded my expectations”

W. Sankey

End-to-end management
Fire Claim – Liverpool

“From the very first meet until my settlement i was informed every step of the way and every conversation was confirmed by email. Settlement exceeded my expectations.”

Anthony Fairclough

End-to-end management

“Excellent service. Professional team who were informative throughout my whole claim process.”

Simply Clinics

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

Find out what this protection means for you.

Authorised and regulated by the Financial Conduct Authority
CTA Image
Authorised and regulated by the Financial Conduct Authority

Professional Memberships & Accreditations

Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.