Insurance claim information for homeowners

Theft insurance claims

Much like any major incident at your home, the aftermath of a theft or burglary can have a significant emotional impact on you and your family. Coupled with the stress of having to deal with an insurance claim, many homeowners will turn to us for support. Morgan Clark’s team of Loss Assessors are experts in handling theft claims valued in excess of £50,000.

Impact insurance claims

Impact from a car or lorry at your home can cause extensive damage. Once the emergency services have dealt with the safety and security of your property, you face a difficult insurance claim. It’s important you don’t lose out financially and that your life and property can return to normal as soon as possible.

Third party insurance claims

You will need to make a third party claim if you’ve suffered as a result of someone else’s negligence – for example, a neighbour, contractor, architect or surveyor. In these cases, the insurance process can be even more complicated than normal. There may be problems with the third party’s insurance cover, and they could try to avoid accepting liability. Unlike a regular insurance claim, law dictates that it is the claimant’s responsibility to prove that the third party is liable.

Storm damage insurance claims

Although storms rarely cause homes significant damage, there are times when storms, and hurricanes in particular, lead to homeowners having to make substantial insurance claims due to the impact on the structure of their home. It is always worthwhile seeking the advice of an insurance claim professional if you find yourself in this position to ensure your home is restored safely.

Malicious damage and riot insurance claims

Sadly, there are occasions when homes are damaged intentionally. Our experience as Loss Assessors has taught us that these insurance claims can cause homeowners significant distress. Having a Loss Assessor on your side can lessen the impact you feel during the insurance claim process.

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

We will help you get home as quickly as possible, ensuring you receive the full settlement you’re entitled to

24/7 support

0808 159 3249

How we will help you with your fire insurance claim…

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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

  • Dependable support

    “Superb company to deal with. Highly recommended. Kept me informed throughout the duration of the claim and a special mention to Pino and Sarah for the support they provided taking …”

    Riz Patel

  • 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

    “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 – Middlesbrough

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

    Assad Butt

  • Genuine care
    Fire Claim – Bristol

    “He was sympathetic and excellent… we are so grateful that he came to see us. We felt we had someone on our side. Very confident with the whole service. Settlement exceeded my…”

    Paul Uttley

  • End-to-end management

    “From start to completion Morgan Clark have been exceptional. They took away the stresses of dealing with insurers and with their professional team of surveyors and loss adjusters m…”

    Riz Patel

  • 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
    Escape Of Water Claim – Middlesex

    “Gilbert’s whole approach, his knowledge from various perspectives across the insurance industry and his personable manner made him easy to deal with and very helpful througho…”

    L. Foulds

  • Dependable support
    Escape Of Water Claim – Essex

    “I cannot overstate how fantastic Dan Norris has been in dealing with our claims. I would highly recommend Dan Norris and Morgan Clark to anyone going through an insurance claim. Da…”

    D. Vora

  • Dependable support
    Fire Claim – Essex

    “We can’t express enough our gratitude for everyone involved in the rebuild of our house and dealing with the insurers. Everyone was friendly, professional and knowledgeable a…”

    Ellie Hartland

  • Weight lifted

    “From first contact to the last contact with Martin & Sarah at Morgan Clarke it was professional yet friendly, they could not do enough. Every time they would keep me informed …”

    Mr Kevin Skelley

  • 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
    Fire Claim – Ripley, Derbyshire

    “Martin Chapman was excellent – regular contact by phone”

    Simon Phillips

  • 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

  • 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
    Fire Claim – Worcester

    “Extremely professional, knowledgeable, efficient, timely, courteous and informative”

    J. Wells

  • Dependable support
    Fire Claim – Nottinghamshire

    “We were shell-shocked after the trauma of losing our home to a devastating fire and didn’t really know the way forward, having never experienced anything like this before.”

    Alan & Elaine Timms

  • End-to-end management
    Fire Claim – Birmingham

    “We reiceved an amazing service from Paul and the entire team who ensured we were always reassured and kept happy”

    A. Khan

  • Dependable support

    “This is the first time I use Morgan Clark and I found them very professional especially David Kelly and Sara Logan who kept me informed and up to date with my claim despite the loc…”

    Bassam Juma

  • End-to-end management
    Fire Claim – Hinckley

    “The standard of service excellent throughout especialy the the valuation of the contents. Settlement exceeded my expectations.”

    Fran Snell

  • Dependable support

    “The service has been fantastic. Dan in particular has been very supportive and informative, offered me his best advise and how to proceed with the issues I’m having. Communicati…”

    Mrs Hussain

  • Dependable support

    “Despite all the problems with the insurers, Morgan Clark continued to chase and ensured that all areas were covered to our benefit. Although I became very stressed at times, Morgan…”

    Monika Payne

  • 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 – Cambs

    “Without this service I would not of known where to start. The fire chief on the night gave me a card with morgan Clark details on and that was the start of me being able to deal wi…”

    Mrs Devina Crane

  • End-to-end management
    Fire Claim – Droitwich

    “Excellent service from beginning to end very informative. 5 star service through out”

    T. Priddey

  • Weight lifted

    “I recommend this company to anyone who has suffered a loss and wishes to claim on their insurance regardless of the circumstances. They offer a comprehensive service that removes t…”

    Mr Kieran Phelan

  • Dependable support
    Fire Claim – Middlesex

    “We were happy with Morgan Clark. We felt that Sara who initially dealt with our claim was excellent”

    Léonie Jill Wood

  • Dependable support
    Flood Claim – Ipswich

    “Generally very good. Contact was good and my calls, if unable to be taken immediately, were always promptly returned or an emailed reply was sent. I felt very respected by every…”

    S. Andres

  • Genuine care

    “I was recommended Pino Musso who works at Morgan Clark from a friend who had suffered a fire in his home. After the initial meeting I didnt have to lift a finger. Pino kept me upda…”

    Anthony Fairclough

  • End-to-end management

    “We had a fire at our house. Morgan Clark acted as a loss adjuster on our behalf with our insurance company. This made what was a very stressful situation much less so. They helped …”

    Molly Soe

  • Exceeded expectations

    “Brilliant service would highly recommend.”

    Advice Debt

  • 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
    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

    “Both myself and my partner have been supported by Martin Chapman after a recent house fire. Martin and his secretary Sarah dealt directly with our insurance company to ensure the w…”

    Vicki

  • Exceeded expectations
    Flood Claim – Doncaster

    “Following flooding in November 2019 which affected my home, business and the entire village I realise how very fortunately I have been to have had my insurance claim handled by Mar…”

    Pam Webb

  • Exceeded expectations
    Fire Claim – Southampton

    “I am grateful for the support given by Morgan Clark as I feel without them I would have not been able to have as much covered by insurance as we did. Very happy with the overall cl…”

    K. McGregor

  • End-to-end management

    “Having never dealt with an insurance claim before, I didn’t really know what to expect. I thought I could do it alone and deal with the insurnace company myself. Even after s…”

    H Singh

  • 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
    Fire Claim – Canterbury

    “I believe I made the right decision with using Morgan Clark to handle my claim as the level of expertise and professionalism displayed by all those I came into contact with really …”

    Efemena Ikie

  • 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…”

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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