Malicious damage and riot insurance claim advice for homeowners

homeowners, friendly, couple, satisfied, meeting at home

Sadly, there are occasions when homes are damaged intentionally, which understandably causes homeowners significant distress. If you need to make an insurance claim as a result of malicious damage or a riot, you may well have many questions about what is going to happen in the weeks ahead. One of our experienced colleagues will be available to talk through the insurance claim process with you and help answer any questions you have about your insurance claim. This call would be free of charge and with no obligation.

Should you choose to appoint Morgan Clark, you will be assigned a Loss Assessor who would be supported by a Claims Technician and together they will ensure you stay in control of your insurance claim and the restoration of your home.

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

Dan Norris, Loss Assessor

10+ years' experience

Speak to an expert, like Dan, who will fight for everything you're entitled to

Free FCA Regulated Support

Your claim resolved as quickly as possible

Experts negotiating on your behalf can expedite the process significantly.

Equal representation at every stage

Never feel outnumbered – your dedicated Loss Assessor works exclusively for you.

Secure your full settlement

We focus negotiations on achieving the best possible settlement for you.

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. Read more in Loss Adjusters: Your Questions Answered.

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.

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.

What our customers are saying about us

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

Weight lifted

“Couldn’t fault anything Really don’t know what, we would have done without them they took the stress, from everything to do with insurance claim all our questions were …”

Linda French

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

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

“Morgan Clark provide an excellent professional service and i would not hesitate to recommend them to family and friends.”

Mr Stephen Jackson

End-to-end management
Escape Of Water Claim – Droitwich

“Our Loss Assessor, Paul Taylor was superb, he kept us very well informed with the progress of the claim and was very supportive from start to finish. We were very impressed with th…”

David Alexander

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

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….”

Javed Hussain

End-to-end management

“Until I had a serious house fire in May 2019 I had no ideas that companies like Morgan Clark existed. But let me tell you when your world has fallen apart the last thing you need i…”

Robert Hirst

End-to-end management

“Dealing with a large water leak claim I cannot fault the excellent service and advice that I received from Marc Ross at Morgan Clark Marc was always available and responsive to my …”

Mr Georgiou

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 pr…”

E. Watts

Dependable support
Fire Claim – Herefordshire

“We are just so grateful for your involvement and help. The loss adjusting firm were an awful company to deal with so it was not an easy job for Paul. We certainly couldn’t have …”

Nicola Addis

Dependable support
Fire Claim – Leeds

“I was constantly kept informed by email, text and phone ,whenever there was a new development concerning the insurance company, the claim or progress of the building work. I especi…”

Peter Craggs

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
Fire Claim – Westward Ho

“Very Professional. Settlement exceeded my expectations”

Michael Taylor

Dependable support
Escape Of Water Claim – Worsley

“We have been very pleased with all the services you have provided and are pleased with the outcome.”

Gareth Collins

Dependable support
Fire Claim – Bolton

“I have been grateful of the help given to me and guidance during this period of time of trauma when the house caught on fire. There was always someone to talk to about the any Deve…”

Fensley Chambers

Genuine care

“Burst pipe devastation Where do we start? While on holiday in January 2025 we got a call from our friend who was looking after our home, that our house had been devastated by a bur…”

Linda Heckles

End-to-end management

“I contacted Morgan Clark when my water pipes burst and flooded the whole house. It was a painful experience but as soon as Morgan Clark took over I felt a weight had been lifted. T…”

Miss Julia Morley-Drulia

Dependable support

“At first when dealing with a company like Morgan Clark, we were under the impression that we didn’t need them however after the hurdles that they jump through to get us our claim…”

Keith Poulton

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 – Chesterfield

“Nathan was the first person to view our house and answer our questions about what we were going to need to do.”

Stephen Barnes

Dependable support
Fire Claim – Warwickshire

“TBH the service and the advise that was given to us was excellent Paul Taylor fought a long and hard battle for us against our insurers Aviva to ensure us the best payout from them…”

Sanjay Nagar

Dependable support

“I had a fire at a property i own some distance from my home. At the time i was caring for my elderly unwell mother. The company i needed to assist was definitely Morgan Clarke. Ini…”

Dependable support

“We found ourselves in a position of having to make a claim, a loss adjuster attended from the insurers with an offer being made shortly afterwards. Being a loss adjuster myself, I …”

Karl Morse

Dependable support

Silchester Sports Pavilion

Dependable support
Fire Claim – Cambridge

“Friendly, professional, informative and relaxed”

J. Cloherty

Dependable support

“From the very onset of their involvement , Sunny and then Ryan Field took on our case and their handling of our case was exceptional , Ryan liaised with the relevant parties even t…”

Paul Aston

Dependable support

“We got in touch with Morgan Clark to assist us with our Business Interruption Claim as we were not getting anywhere with our insurance company. David Kelly who worked on our behalf…”

Anne Storrar

Dependable support
Fire Claim – Manchester

“Ryan was very helpful and an asset to your company, very friendly and professional, always emailed and called with updates, went out his way to help and made this stressful task ea…”

M. Amin

Weight lifted

“They took the hassle out of our insurance claim for a total fire destruction of a rental property. From the day after the fire they were there, dealing with the insurance company, …”

Ian Bamforth

Dependable support
Fire Claim – Leicestershire

“He made us aware of things we genuinely hadn’t thought of. Whatever was a problem for me Natalie really couldn’t have been more helpful.”

M. Smith

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

“Absolutely brilliant service from everyone involved in our house renovation “

“Thanks Mick Hindle”

Mick Hindle

Dependable support
Fire Claim – Farnham

“Spoke in words I could understand, and explained clearly all procedures. I felt comfortable asking any questions as I had never had to deal with anything like this. Made a difficu…”

A. Martin

Dependable support

“Morgan Clark representative Marc Ross expertise, professionalism, and unwavering support have truly made a significant difference during what could have been a very challenging tim…”

Anuj Gupta

Dependable support

“First Class service!!!! Absolutely fantastic service from day 1. Nathan at the beginning helped advise me due to a house fire at the very beginning and his service was excellent. T…”

Mr McDonald

Dependable support
Fire Claim – Derbyshire

“With the work taking place during problems arising from the Covid virus we have been pleased with the way work progressed.”

Mr & Mrs Matkin

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

End-to-end management
Fire Claim – Ilford

“Great service and clients needs were always met with good communication throughout the whole process. Great team, A+++++++++”

Mr Shak

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

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