Fire insurance claim advice for homeowners

homeowners, friendly, couple, satisfied, meeting at home

Following a fire at your home, you will have to make a number of critical decisions and each one will have a direct impact on the outcome of your insurance claim.

You may have crucial questions about what to do next and what to expect in the coming months, this is very common and can cause significant stress for many homeowners. You are welcome to call us to speak with an expert in fire insurance claims free and with no obligation, to put your mind at rest.

It is your responsibility to prepare, present, manage and negotiate your insurance claim but with Morgan Clark on your side, you can pass all of that over to your experienced Loss Assessor. They will answer your questions to ensure you are aware of all your options during the restoration of your home, ensuring you stay in control at all times.

As our client you would be assigned a dedicated Loss Assessor, along with a specialist team to support you. Their experience will ensure your claim is run smoothly to reduce the stress and allow you to get your life back on track.

How we will help you with your fire insurance claim…

Our aim is to reduce the time our clients have to spend on their fire 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…

  • Help you find somewhere you are happy to live while your home is being restored
  • Ensure the full extent of damage is uncovered to safeguard the value of your home
  • Handle all negotiations with your insurer to protect your best interests
  • Ensure your insurance claim is run efficiently to get you back home as quickly as possible

Support when you feel outnumbered

Contact us to ensure your claim is handled fairly and efficiently.

Navigating claims – clients share their stories

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Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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Lancashire House Fire Claim – How Morgan Clark Managed a Complex Insurance Process

A candle caught Mick and Carol’s curtain alight which led to a… read more

Midlands Fire Claims

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating… read more

North Fire Claims

House Fire Claim Before Christmas – How Morgan Clark Managed Everything

When a neighbour’s fire spread to their home Kenneth and Carol put… read more

South Fire Claims

Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

When Jane had an explosion at her home she had no idea… read more

Midlands Explosion Claims

A Firefighter’s Experience Following a Fire at His Home with Morgan Clark

Carl Evans, a firefighter from Nottingham talks about his experience when his… read more

North Fire Claims

Sheffield House Fire Claim – Morgan Clark’s Expert Claim Management

With little response from the insurance company, Mr Scruby appointed Morgan Clark to… read more

North Fire Claims

Blackburn House Fire Claim – How Morgan Clark Restored a Fire-Damaged Farmhouse

Jim and Jan talk about their experience when a thatched roof fire… 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

  • End-to-end management
    Impact Claim – Middlesborough

    “Both very friendly, and helped remove a lot of stress. I thought the whole process was handled very well, and I was very happy with the outcome. Settlement exceeded my expectations…”

    M. Samuels

  • Dependable support
    Fire Claim – Macclesfield

    “Overall the service from all those we dealt with in restoring this fire ridden property were highly professional and, at times, imaginative in how they sought to bring this propert…”

    Pat and Frank Wharton

  • Dependable support

    “We engaged Morgan Clark to help us with a Covid Business Interruption claim. Having been brushed off by our insurance broker Tony Clark agreed to review our policy to see if we had…”

    Ian Duckett

  • Dependable support
    Flood Claim – Taunton

    “Greatly admire and appreciate Mark’s (and Natalie’s) perserverance”

    R. Jarman

  • Dependable support

    “We would definitely recommend them again. They explain what was going to happen and how long it should take. They were there when we had questions and always answered the same day….”

    Hazel & chris Gibbons

  • Dependable support
    Fire Claim – Kent

    “Excellent service overall. I would strongly recommend Morgan Clark to anyone in a similar situation to us. It is invaluable to have the backing of people with experience to help yo…”

    Joanna Friend

  • Weight lifted
    Fire Claim – Ombersley

    “With the added stress of Covid and restrictions I felt the claim was dealt with as swiftly as was possible. Never wanting to have a large accidental clam again, ever, I would use M…”

    A. Parker

  • Dependable support
    Fire Claim – Hastings, East Sussex

    “During this very traumatic, life changing experience we were extremely relieved to have instructed Morgan Clark to deal with the claim. Their help, knowledge and expertise was very…”

    Catherine Wilson

  • 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 – 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

  • End-to-end management

    “I had the privilege of instructing Morgan Clark after a devastating fire at one of my rented properties, and I must say, they were a true lifesaver. Ryan, in particular, stood out …”

    Matthew Lewis

  • Dependable support
    Fire Claim – Middlesbrough

    “Impeccable standard of service by MC. The settlement, without doubt, would not have been achievable without MC. Very straightforward to deal with and available to answer question r…”

    John Hines

  • 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

  • Dependable support

    “After having the devastation of water ruining my kitchen and parts of my living room I was given Morgan Clarke’s number. As always with anything to with insurance or claiming…”

    Chris McGowan

  • Dependable support

    “The staff at Morgan Clark came to our aid after a house fire, during as you can imagine a very stressful time they on our behalf went into action, all the way through a 10 month pr…”

    Dean Howells

  • Dependable support

    “Two successful insurance claims – one for fire damage in excess of £100k to a business property, one for £1000 where the insurers would not pay. In both cases, it’s likel…”

    Dr Martin Breach

  • 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

  • Weight lifted

    “Exemplary service, no wonder you’re a market leading company. Martin took charge of all matters lifting the burden off my shoulders when I had recently lost my mother. Both Marti…”

    Fire Claim, Grimsby

  • Dependable support

    “We were very pleased with the service we received from Morgan Clark & believe we wouldn’t have been able to achieve the same cash settlement without our Assessor’s expertis…”

    Trevor & Pauline Higgs

  • Dependable support

    “We are so pleased we appointed Tony Clark of Morgan Clark to handle our insurance claim for us. He was so knowledgeable and professional in all respects in his dealing with us and…”

    Lyn Armitage

  • 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

  • Dependable support

    “The best decision ever! We weren’t making any progress with insurer until we called Morgan Clark. Martin was so professional and at the end, we managed to get a bigger settlement…”

    A Pg

  • Weight lifted
    Fire Claim – Stewkley, Bedfordshire

    “Sara and Denise sorted it all out – it was a great relief not to have to get involved. As pensioners and with my husband being diagnosed with terminal stomach cancer shortly…”

    Enid and Bruce Moulder

  • 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

  • Weight lifted

    “The service offered by Morgan-Clark from all who dealt with my claim was first class. I achieved a far greater sum as a result of having my claim professionally handled. In particu…”

    Mr Dan Cattell

  • 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

    ““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

    “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
    Fire Claim – Beverley

    “There is nothing to improve, 5 stars in all areas. Settlement exceeded my expectations.”

    Bryoni Butler

  • 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
    Escape Of Water Claim – Lancashire

    “Excellent service. First class. No negative feedback to give. Very personable and professional. Put me at ease during a very worrying time.”

    Rebecca Bond

  • Dependable support

    “Excellent services and very help full staff.”

    Mr & Mrs Modha

  • Dependable support

    “First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.”

    Trusted User

  • Dependable support

    “Morgan Clark have helped us every step of the way with our claim. We had never dealt with a house insurance claim before and having their expertise and advice was crucial to unders…”

    Emma Wadsworth

  • Genuine care

    “We’ve received superb service from my very first contact right through to completion and sign off of the claim and repairs. They came to our rescue at a time of utter crisis,…”

    Mr & Mrs Doherty

  • 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

  • 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
    Escape Of Water Claim – Surrey

    “I have been absolutely delighted by what Morgan Clark achieved. Until I contracted with Morgan Clark my claim had been bogged down with nothing happening for months. Morgan Clark r…”

    Roger Vince

  • Dependable support

    “We were unaware of insurance assessors before our devastating fire but so pleased we found Morgan Clark. They acted in our interests with the insurance company and took all the ha…”

    Mary & Nick Nicholls

  • End-to-end management

    “Very professional and extremely helpful. Took care of everything relieving the stress throughout a difficult time.”

    Trusted User

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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