Storm damage insurance claim advice for homeowners

homeowners, friendly, couple, satisfied, meeting at home

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

Support when you feel outnumbered

Contact us to ensure your claim is handled fairly and efficiently.

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

    “Ian was a gentleman and absolute professional in his introduction of Morgan Clark and its insurance assessor services to us. He has a very calm friendly reassuring approach, no har…”

    Fire Claim – Worcester

  • Dependable support

    “First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.”

    Trusted User

  • End-to-end management

    “While on holiday i hand a water leak in the loft which totally devastated my house from top to bottom. Obviously the size of the claim was quite substantial and the rebuild would b…”

    Ian G

  • 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

  • Genuine care
    Escape Of Water Claim – Cornwall

    “Very patient and helpful”

    G. Anderson

  • Dependable support

    “Morgan Clarke represented me in dealing with my insurance company. They also recommended an excellent surveyor. Both worked together making an excellent team. I have dealt with Mor…”

    C Mather

  • Dependable support
    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

  • Dependable support

    “After a serious fire at my home. I employed Morgan Clarke. Bedfords surveyors and Response and Restore to manage the process and undertake the Remedial work. I found all the compan…”

    John Lonsdale

  • 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
    Fire Claim – West Yorkshire

    “I was impressed by the standard of service I’ve received from Morgan Clark and would happily recommend them to anyone finding themselves in similar circumstances to mine. Settleme…”

    L. Clements

  • End-to-end management
    Fire Claim – Leicester

    “Ryan who was my point of contact kept me informed throughout the entire process as well as chasing insurance company repeatedly to ensure they were moving at the required pace. Set…”

    Javed Hussain

  • End-to-end management
    Fire Claim – Walton

    “Robert was very informative and alleviated any concerns we had… Robert reassured us and said we could call him at anytime, which we did, with many questions and he was accomm…”

    R. Carroll

  • End-to-end management

    “A professional and personable experience. Information was forthcoming. Results were excellent.”

    Mike

  • Dependable support
    Fire Claim – Fflintshire

    “We felt the assessors were ‘our team’ and tried to obtain the best result they could. Settlement exceeded my expectations.”

    Christopher Hetherington

  • 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

  • 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

  • Dependable support

    “Morgan Clarks representative Matt Rawlingson and colleges were very proactive in the management of reinstatement of my property. Their communications both verbally and electronic w…”

    Edward Williams

  • Dependable support

    “Having suffered a fire, which required serious renovation, from the moment Morgan Clark arrived, we felt cared for and had advice from professionals who were on our side”

    Paul Uttley

  • Weight lifted

    “Had a fire at my business premises and didn’t have a clue how to deal with the claim. David was brilliant at handling my claim, he got me the maximum claim I was entitled to unde…”

    Mohammed Aslam

  • Dependable support
    Fire Claim – Havant, Portsmouth

    “Matt along with his colleague Dennis were very approachable and addressed any queries or requests very promptly and with professional expertise. Including liaison with the letting …”

    E. Williams

  • Dependable support

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

    Mr Phillip Allsop

  • Dependable support

    “All admin and associated works were taken care of, in a professional way. Also I was kept up to date on a regular basis. Brilliant service”

    Dave Berry

  • Dependable support
    Fire Claim – Bradford

    “Overall we are happy with the standard of service we received from Morgan Clark. All the way through the process from the day after the fire to completion of the work, they have be…”

    Mohammed Iqbal

  • 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

    “Morgan Clarke dealt my water leak claim very fast and the right way. I was updated often for each and every move. They are experienced in handling the claim. They are very friendly…”

    Katy Marland

  • Dependable support

    “They were helpful and supportive at a very difficult time – immediate aftermath of a house fire. Managing an insurance claim and building works and moving out of the house wh…”

    Vicki Evans

  • Dependable support

    “Great service with the whole claim.
    Kept well informed informed and always had quick replies from questions.
    Very impressed”

    Wayne

  • Weight lifted

    “Martin, Sarah and Nathan were brilliant. I was traumatised after a fire and they looked after everything, answered every question and concern that I had. They relieved me of so muc…”

    Shahina Begum

  • 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
    Fire Claim – Worcester

    “From what was the worst day of my life where I list pretty much every thing I now have a beautiful home better than original and all contents replaced still leaving a little over f…”

    Stephen Wood

  • Dependable support
    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 …”

    Mr D And Mrs J Buckstone

  • Genuine care

    “Morgan clark were excellent from the word go. Their representative Pino was informative, supportive, understanding and easily contactable. The advise they gave was extremely helpfu…”

    Richard Roberts

  • End-to-end management

    “They held our hand through the whole process, dealing with the insurers and appointing surveyors and builder, they were always available to answer any questions we had and deal wit…”

    Mr & Mrs Mclean – L.U.V property Ltd

  • Genuine care
    Business Interruption Claim – Leaps and Bounds, Truro

    “Kind, calm and experienced. I had faith in his ability to sort out this mess”

    Betty Heather

  • Genuine care

    “The level of service and customer care received from the dedicated team at Morgan Clark was second to none. Martin and Pino pulled out all the stops to make sure that the settlemen…”

    J Roberts

  • Weight lifted
    Flood Claim – Chesterfield

    “I cannot fault the overall standard of service that i received. Everyone played their part to ensure the restoration of my property and in the process help to reduce my stress leve…”

    S. Jackson

  • End-to-end management

    “Excellent service from beginning to end very informative at every stage , wouldn’t have been able to do anything with out them .”

    Tracey Piddey

  • Weight lifted

    “We were reassured that Morgan Clark represented us throughout our complicated insurance claim. Procedurally, there were several occasions when we felt out of our depth and we were …”

    David Metherell

  • Dependable support
    Fire Claim – Coventry

    “Overall, very very happy with the decision to ask Morgan Clark to carry out the task of dealing with my claim. I wouldn’t have been able to see this through on my own &#8211…”

    Iqbal Singh Kunner

  • Dependable support
    Fire Claim – Hampshire

    “We are honestly happy to recommend Morgan Clarke to work on your behalf, if they perform for you as they did for us then you should not be disappointed.”

    Richard and Dee Thorne

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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