Storm damage insurance claim advice for homeowners

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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. This will be due to the impact on the structure of the property. If your home has been significantly damaged in this way and your insurance company appoint a Loss Adjuster to your claim, it would certainly be worthwhile seeking the advice of a Loss Assessor.

Initially, your main concern will be to safeguard your home against any further damage, such as protecting an affected roof from water ingress if it rains. Taking action, for example employing a builder to erect tarpaulin over a damaged roof, would be deemed as emergency works to mitigate against further damage and would therefore be covered by your insurer. These emergency works can be carried out even before your insurer has been notified of the claim.

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 back into your home as quickly as possible, ensuring you receive the full settlement you’re entitled to.

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Popular Questions

What will my insurance company think if I appoint a Loss Assessor?

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?

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?

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 will this cost?

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.

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They were very helpful through the process .,, you can leave everything to them .,, they will guide you through

Mr Maddi

Making a sizeable insurance claim can be a prize fight. Even Rocky needs a Micky in his corner

Graham Critchlow

Flood Claim – Essex

Matt was worth his weight in gold. He liaised and negotiated with the insurance company on our behalf and secured the best outcome for us. The overall service we received from Morga…

J. Singh

Communication and expertise are excellent. Kept up to date throughout the process together with regular updates

Mr Phillip Allsop

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I only rent out one house to tenants who unfortunately caused a house fire and substancial damage to the upstairs of the property. This was a stressful time as I had no idea of how t…

Dom Pickett

Fire Claim – Blackburn

There is nothing I would ask you to change… the staff at Morgan Clark especially Pino have been extremely professional.

Bilal Yusuf

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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 MC …

A. Parker

Fire Claim – Gwynedd

We were extremely satisfied with the service we received and would highly recommend Morgan Clark to deliver a high level of customer care in what can be a fraught and difficult time,…

Mr A. A Kujore/Ms G M Roberts

Flood Claim – Taunton

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

R. Jarman

Well done Morgan Clark and Matt Ralingson
Matt Rawlinson was more than helpful in the middle of the claim I was diagnosed with Prostate Cancer and had to go through a regime of…

Mr McCaffrey

Excellent service and and up to date information with the progress from start to finish. Special thanks to Martin Chapman, Sara Lohan .. Paul Read and Nathan Robertson for their ex…

Eddie Masterson

I was absolutely devastated to see my house destroyed due to a burst water pipe and was struggling to get a meaningful response from insurance company. That’s when my friend re…

Manjusha Rathi

Fire Claim – Bromley, London

Initially we were sceptical about the service offered, but once the decision was made, we realised it was the best way to go. We were never left in the dark. Sara was particularly pe…

Mr D And Mrs J Buckstone

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 clai…

K. McGregor

Without them I would have been totally out of my depth. Everything was arranged and any correspondence relating to the property and relevant meetings were in place They supplied all …

Mrs Pauline Ducker

Absolutely excellent from start August 2023 . We would still be in the dark and struggling, they are still fighting for us! Flood

Lynda & Ian Murray

Fire Claim – Ilford

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

Mr Shak

Fire Claim – Kent

Excellent service overall. I would strongly recommend Morgan Clark to anyone in a similar situation to us. It is invaluable to have the backing of people with experience to help you …

Joanna Friend

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 C…

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The service Morgan Clark provided was exceptional and I would highly recommend them to anyone. At a time when things are challenging, they helped take away a lot of the stress and pr…

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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.

Why do some insurers discourage policyholders from using a Loss Assessor?

BBC Reports on the UK’s Broken Insurance Sector – Why Policyholders Turn to Loss Assessors