Malicious damage and riot insurance claim advice for business owners

Unfortunately, there are occasions when businesses are damaged intentionally. With the added stress and time involved with a police investigation following a riot or malicious damage, business owners often need professional advice and representation to run an effective insurance claim.

Morgan Clark’s specialist commercial Loss Assessors can guide you through the insurance claim process. Their first priority will be to get liability acceptance from your insurance company so repairs to your business can commence and your business suffers as little interruption as possible.

If you take on Morgan Clark as your Loss Assessors, you will be assigned a dedicated Loss Assessor to make sure your business gets back on track without delay.

How we will help you with your 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

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

“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
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
Fire Claim – Tiverton

“I was very happy with David’s work and I cannot praise his persistence enough. I do not think I could have achieved as good repairs without his help.”

D. Reed

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

“I could not have dealt with the claim myself, I am so glad I made the choice to apoint you, I would recommend you to anybody! To be honest I just think you are damn good, nothing I…”

Ms Johnstone

End-to-end management
Business Interruption Claim – Hastings

“Great, honest advice throughout. Settlement exceeded my expectations”

S. Fitchett

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

Dependable support

“we had never been in a situation like this before and were completely out of our depth . morgan,clark,s representative martin chapman put us at ease and explained everything to us …”

Mick Bielby

End-to-end management

“I was a bit sceptical about signing up with Morgan Clark at first, as I wasn’t aware companies like these existed. However, after being explained what Morgan Clark did and how th…”

Mr Malik

Dependable support

“The service we received from David & Natalie went way above our expectations. They completely put our minds at ease!”

Escape Of Water Claim – Southampton

End-to-end management

“Last November we had a house fire, in the loft, while we were home. It was devastating. The next morning, we went to view the house, the damage, clear up the debris from the street…”

Bryoni Butler

Dependable support
Fire Claim – Hartlepool

“Morgan Clark were very helpful, they made a very distressing situation as easy as possible for me, lots of communication, no question was a stupid question. Settlement exceeded my …”

V. Cornforth

End-to-end management
Escape Of Water Claim – Saffron Walden

“I was reassured immediately by the original person who visited and it made me realise I had made a good decision using Morgan Clark immediately. (Dan is) An absolute legend. He has…”

Antony Ross

Dependable support
Fire Claim – Barwick

“I was kept very well informed. Settlement exceeded my expectations”

Wayne Agat

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

End-to-end management
Fire Claim – Sheffield

“Martin was great throughout the process. We didnt really know where to start and Martin just took all the stress out of the process. He explained things well. His experience having…”

F. Parkinson

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
Fire Claim – Bristol

“He was sympathetic and excellent… we are so grateful that he came to see us. We felt we had someone on our side. Very confident with the whole service. Settlement exceeded my…”

Paul Uttley

Dependable support

“Very helpful and professional. Morgan Clark representative was recommended to us by firefighters after the incident with a house fire. Robert has visited us following day explained…”

Sebastian Barsczewski

Dependable support

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

Crighton Mather

Weight lifted

“Morgan Clark were able to offer us assistance and assurance during a very difficult time when a tenant suffered major fire damage. It soon became apparent that without a “pro…”

Sm

Weight lifted

“It was a relief to have an agent to deal with my claim on my behalf. Being flooded out of my house for ten months was an ordeal and, never having needed to pursue an insurance clai…”

Jill Moore

Dependable support

“They did everything very well, managing total chaos as if that’s what they do all day, everyday – one of the best companies I have ever had the pleasure of dealing with…”

Nick Waugh

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

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

End-to-end management

“Having never dealt with an insurance claim before, I didn’t really know what to expect. I thought I could do it alone and deal with the insurnace company myself. Even after s…”

H Singh

End-to-end management

“A professional and personable experience. Information was forthcoming. Results were excellent.”

Mike

Dependable support

“We were extremely pleased with the standard of service we received, particularly from our contact, Paul Taylor, who worked very hard on our behalf after our fire last year to liais…”

Debbie Howe

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

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

Coastal Estate Management Ltd

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

“I was not aware that companies like Morgan Clark existed. We had a serious and devastating house fire which required massive restoration work and meant we could not live in our pr…”

Dr Hirst

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

Dependable support
Fire Claim – Stoke-on-Trent

“The visit by Morgan Clark the day after the fire was so important and very welcome. It really settled my nerves and fears at a very worrying time. Thereafter, the work and payments…”

Steven Brereton

Dependable support
Escape Of Water Claim – Middlesex

“Gilbert’s whole approach, his knowledge from various perspectives across the insurance industry and his personable manner made him easy to deal with and very helpful througho…”

L. Foulds

Dependable support
Fire Claim – Crowdys great coxwell

“Very good-personable and professional. Both excellent”

Peter Rowe

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

End-to-end management
Fire Claim – Stockton on Tees

“The standard of service was very high. Keeping me informed along the way even when there was no major changes helped me feel that the whole claim was moving forward. Pino Musso was…”

Vishal Pancholi

Dependable support

“Morgan Clark have been amazing guiding us through a fire trauma ensuring that we get what we needed and come home to our restored house and home”

Stephen Barnes

Genuine care

“The level of service and customer care received from the dedicated team at Morgan Clark was second to none. Martin and Pino pulled out all the stops to make sure that the settlemen…”

J Roberts

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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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.