Impact insurance claim advice for homeowners

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Impact from a car, lorry or other vehicle at your home can cause extensive damage to both the structure of the building, making it unsafe and the contents of the rooms affected.

Once the emergency services have dealt with the safety and security of your property, you face a difficult insurance claim. It is imperative you do not lose out financially and that your life and property can return to normal as soon as possible.

Should you choose to appoint Morgan Clark to manage your insurance claim, you will be assigned your own Loss Assessor. Along with their support staff, your Loss Assessor will ensure you stay in control of your insurance claim, keeping you up to date with progress and getting your home restored as quickly as possible.

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…

  • 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.

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
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

“Morgan Clarke dealt my claim very fast and right way. It was too easy to handle with them. I was updated very often for each and every move. They are experienced in handling the cl…”

Thirunavukkarasu Kulandaisamy

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

Dependable support
Escape Of Water Claim – Burnley

“Pino Musso was a true Gentleman nothing was too much such a helpful and lovely man… I was kept very well informed… excellent on communication… Settlement exceeded…”

Maria Abbott

Dependable support
Flood Claim – Conwy

“This is the second time we have used your service (2012 was being the other). What you offer is an outstanding service at a time when clients are faced with major turmoil in their …”

David Lund

Genuine care

“We couldn’t be more pleased with every aspect of this process – from initial contact through to meeting Pino, meeting the Surveyor, choosing a Contractor and working throug…”

Fire Claim, Preston

Dependable support

“The professional service provided. We were kept up to date at every step and they returned the home to us ahead of schedule”

Grant Smith

Genuine care
Flood Claim – Winchester

“Friendly and sympathetic. Pleasant and efficient, I found Natalie especially pleasant and helpful.”

Mrs J. Cole

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

“Well done as I expected.”

Mr Sun

Genuine care
Escape Of Water Claim – Goosnargh

“We received £35000 from water damaged in our kitchen, Pino claimed for things we wouldn’t even think of but he claims for everything which had been damaged down to a cup or towel…”

Katy Hollinghurst

Dependable support
Escape Of Water Claim – London

“Quick to respond, provided references, not a hard sell (which I wouldn’t have wanted when I was feeling particularly vulnerable about the damage). Methodically took me through pro…”

E. Watts

Genuine care
Fire Claim – Bognor Regis

“We where guided through this process with kindness and totally clarity throughout. Settlement exceeded my expectations. We cannot recommend highly enough all parties concerned.”

Michael Webster

Dependable support

Silchester Sports Pavilion

End-to-end management

“I was very wary of getting involved at first as they sought out me. However, they were very reassuring at beginning when we were in state of shock after house fire. Always replied …”

Stan Johnston

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

End-to-end management

“Morgan Clark are truly brilliant! We appointed Morgan Clark at the outset of a complex property claim that ultimately took over a year to reach settlement. From the beginning, thei…”

Mr James

Dependable support

“I contacted them via their website and they still gave me a callback despite my claim size being under their threshold, and gave me contacts and advice on how to proceed.”

Bosh

Genuine care
Fire Claim – Nefyn

“The ordinary person on the street does not know about the role of a loss assessor. Once he had explained, and we digested the situation over night, we welcomed his assistance. We…”

Pam Heath

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
Flood Claim – Taunton

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

R. Jarman

Dependable support

“Morgan Clark were able to help and support me through the entire process and provided an extremely professional service.”

Mr Dawney

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
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

End-to-end management

“Professional from start to finish. Kept us informed throughout and dealt with all queries promptly. Dealt with all aspects of the major project taking some of the stress from us; i…”

Nicola

Dependable support

“Expert advice which ensured our claim was settled legitimately and comprehensively”

Mr and Mrs Goodbody

Genuine care

“Hello, after having a small kitchen Fire Pino and Sarah were appointed as our Loss Assessors.
Could have not been more happy with there performance”

Jc

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

“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 – Beverley

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

Bryoni Butler

Genuine care
Fire Claim – Barnsley

“You were a Godsend!… Honestly!!…I had no idea how much work you would achieved for me. I do appreciate Morgan Clark taking my job on as l know it was quite a small one. Many than…”

M. Eid

Dependable support

“From day one Morgan Clark was an incredible help after we lost everything in a house fire. We wouldn’t have known where to start dealing with the insurers or rebuilding the p…”

Ellie Hartland & Glenn Gooden

Dependable support

“Considering the circumstances we found ourselves in, we couldn’t have been helped by more knowledge and friendly people. Special thanks to martin & Sarah. Nothing was too…”

End-to-end management

“Morgan Clark are of diamond class – my experience started 3 years ago after a house fire and the team showed me the confidence from day one. I would probably need 5000 words …”

Jasbir Singh

Dependable support

“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

Kevin Vickers

Dependable support
Flood Claim – Staunton on Wye

“I cannot speak highly enough of Morgan Clark and all of its associated teams. When we initially contacted you, we did not really have any realistic idea of what lay ahead in terms …”

J. Fisher

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 – Stechford Chipshop, Birmingham

“At the beginning I thought I didn’t need their services and could deal with the insurance company myself. Given that this was a large fire I now realise that it was essential…”

Mr Harminder

End-to-end management
Fire Claim – Hants

“Quite simply, Morgan Clark have seen us through something I don’t feel with could of handled on our own. We would not hesitate to recommend Morgan Clark to anyone. From the m…”

G. Yates

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

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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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.