Flood insurance claim advice for homeowners

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Following a flood at your home, you will have to prepare a complicated insurance claim, engage and oversee contractors and negotiate with your insurance company. But you don’t have to go through this alone.

Morgan Clark is a firm of professional Loss Assessors specialising in flood and water damage insurance claims. Should you choose to use our services, you will have peace of mind knowing your home will be thoroughly dried and sanitised by an experienced restoration company, ensuring there are no future issues, such as damp and dry rot.

Every Morgan Clark client is assigned a dedicated Loss Assessor and Claims Technician. Their experience will ensure your claim is run smoothly and efficiently to reduce the stress you would otherwise go through having to deal with the insurance company alone.

How we will help you with your flood insurance claim…

Our aim is to reduce the time our clients have to spend on their flood 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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Wales Flood Claims

Client’s Experience with Morgan Clark Handling His Flood Insurance Claim in Wales

Mr Lund discusses his flood insurance claim and the incredible recovery he… read more

South Flood Claims

Lilias Ahmera’s story – Flood Claim, Somerset

When flooding devastated Lilias’s beautiful Somerset farmhouse, she was left facing the… read more

Midlands Flood Claims

How Morgan Clark Helped clients with Her Flood Insurance Claim in Derbyshire

Mrs O’Halloran felt she had to come back to Morgan Clark when… 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

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

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.

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What our customers are saying about us

Genuine care
Explosion Claim – Preston

“Our initial dealings started with Nathan who introduced me to Pino Musso who then dealt with my claim start to end which was brilliantly handled and always kept me informed. Very e…”

P. Singh

Dependable support

“Morgan Clark came recommended to us by a family friend and we are so grateful to and feel so lucky to have had them looking after us. We had a house fire 15 months ago and were rea…”

Rachel Wagstaff

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
Fire Claim – Birmingham

“Paul Taylor was extremely helpful at a very difficult time for us and our family. The service we were given was fantastic and I cannot thank Morgan Clark and Paul Taylor enough for…”

Mr and Mrs Nathoo

Dependable support

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

Trusted User

Dependable support

“Professional service from experts in their field, highly recommended.”

Iain Mack

End-to-end management
Fire Claim – London

“It was the best thing I did to assign Morgan Clark to help me with my claim . They have a lot of experience in this field , I’ve never had to make a claim for fire before so …”

Emine Enver

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
Fire Claim – Leeds

“This process is very nerve wracking at the beginning . Morgan Clark once involved removed all the hassle . All parties involved have been superb from start to finish.”

Richard Robinson

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

Dependable support
Fire Claim – Fflintshire

“We felt the assessors were ‘our team’ and tried to obtain the best result they could. Settlement exceeded my expectations.”

Christopher Hetherington

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

Genuine care

“Morgan Clarke dealt my water leak claim very fast and the right way. I was updated often for each and every move. They are experienced in handling the claim. They are very friendly…”

Katy Marland

End-to-end management
Fire Claim – Hull

“Very pleased with the service, especially having had fire damage during these stressful times of travel restrictions. It was evident throughout that they were working on my behalf …”

N. Thakar

Weight lifted
Escape Of Water Claim – Nottingham

“Mr Paul Taylor was extremely professional. He looked after my interest and ensured that I got a fair deal. He took the stress out of navigating an unfamiliar system on my own. With…”

Dr M. Rathi

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

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

Genuine care

“You navigated me through a horrible experience with patience and understanding If I hadn’t had your service I think I would still have a damp property as I certainly had no …”

Annette Goldsmith

Dependable support
Fire Claim – Norfolk

“From the first meeting with Daniel, the meeting with Gilbert and the help that Denise was always ready with, we could not find fault with the service we have received. Settlement e…”

Mr & Mrs Gibbons

Dependable support
Fire Claim – Worcestershire

“Very Professional and nothing was to much trouble. Settlement exceeded my expectations”

R. Sitek

Dependable support
Fire Claim – Gloucestershire

“Overall we were extremely satisfied with the service we received from your company.”

Barbara Salmon

Genuine care

“In August 2023 we suffered the loss of our bungalow to fire, needless to say one of the most traumatic events of our lfe. Within 24 hour we were contacted by representatives from L…”

Mr Keith Young

Dependable support
Storm Claim – Cheltenham

“David proved very helpful and was professional yet friendly at all times. It was David who took control of the situation and got things moving for us.”

Susan Naydorf

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

End-to-end management

“Excellent service from beginning to end very informative at every stage , wouldn’t have been able to do anything with out them .”

Tracey Piddey

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…”

Dependable support
Escape Of Water Claim – East Sussex

“I don’t have enough words to express the overall standard of service we received as they seem inadequate. Without finding your company on line I honestly don’t know what we would…”

W. Stubbings

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

Genuine care

“From the start our dealing with Robert Godlonton were fantastic. He explained everything to us what the company did and left us to think things over. Our assessor Pino Musso was ab…”

Sarah

Dependable support

“Morgan Clarke had our interest first and foremost From the word go Morgan Clarke had our minds at rest that the process would be taken care of. Martin Chapman looked after all our …”

Mr Denham

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…”

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End-to-end management

“Professional and caring team, kept me fully informed throughout the process and delivered what they said”

Mrs Green / Pauline Perry

Dependable support
Fire Claim – Spalding

“Paul was highly professional throughout a difficult and complex matter. He was calm, diplomatic, an excellent negotiator, extremely knowledgeable, brilliant with details, figures, …”

Mr & Mrs Cameron, Regent Bingo Club

Dependable support
Fire Claim – Middlesbrough

“I was impressed with the service i got from Morgan Clark and Martin who was dealing with my case. Very impressed”

Assad Butt

Dependable support
Fire Claim – Crowdys great coxwell

“Very good-personable and professional. Both excellent”

Peter Rowe

Dependable support

“Morgan Clarks representative Matt Rawlingson and colleges were very proactive in the management of reinstatement of my property. Their communications both verbally and electronic w…”

Edward Williams

Dependable support

“I had a huge problem with a claim I have made on my insurance company covering building insurance. After 7 months of calls and stress, a quick google search solved the problem. I d…”

Paololuca

Genuine care
Fire Claim – Wigan

“Standard was, in a nutshell excellent. We most definatley couldn’t have managed without Pino,Sara , Robert and everybody else involved. Pino and Sarah were very, very helpful…”

Steve Ashcroft

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 – Glossop

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

Sandra Taylor

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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.