Flood insurance claim advice for homeowners
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
We will help you get back into your home as quickly as possible, ensuring you receive the full settlement you’re entitled to.
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0808 273 8929Navigating claims – clients share their stories
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…
Lilias Ahmera’s story – Flood Claim, Somerset
When flooding devastated Lilias’s beautiful Somerset farmhouse, she was left facing the…
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…
ReCentre Health Ltd’s story, Flood Claim, London
After a severe leak caused major water damage, ReCentre Health turned to…
Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
Following a major flood that destroyed vital stock and equipment Sharma turned…Popular Questions
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What will my insurance company think if I appoint a Loss Assessor?
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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.
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Doesn’t my insurance company manage my claim?
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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.
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What’s the difference between a Loss Assessor and a Loss Adjuster?
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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.
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How much will this cost?
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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.
Still have questions?
Visit our FAQs page for more answers.
Can we help you with your claim?
Please complete these three basic steps so we can offer you advice based on the claim you are having to make and if it is something we are able to assist you further with.
Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)
Find out what this protection means for you here.
The FCA regulates the financial services industry in the UK, this means:
- Your money is protected – FCA rules ensure your claim is handled with safeguards that protect your interests.
- You’re treated fairly – strict standards and codes of conduct mean you’re never misled or taken advantage of.
- You can trust the process – only authorised firms can legally manage claims, giving you confidence in the outcome.
Your claim is in safe hands
As the industry leader, Morgan Clark sets the bar when it comes to standards. We are also proud to support a number of charities both in the UK and overseas.
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