Third party insurance claim advice for homeowners

homeowners, friendly, couple, satisfied, meeting at home

You will need to make a third party claim if you’ve suffered as a result of someone else’s negligence, for example, a contractor working on your property, an architect, surveyor, or even a neighbour. If damage is caused to your property as a result of someone else’s negligence, you have the right to make an insurance claim.

The insurance claim process for third party claims can be particularly complicated. There may be problems with the third party’s insurance cover or they could try to avoid accepting liability. Unlike a regular insurance claim, the law dictates that it is the claimant’s responsibility to prove that the third party is liable.

If you appoint Morgan Clark to manage your insurance claim, 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.

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

  • Weight lifted

    “Superb professional highly experienced service. Took all the stress out of an already shocking situation of dealing with fire damage. Highly recommended to anyone dealing with insu…”

    Mohammed Ghazi

  • Dependable support
    Escape Of Water Claim – Cardiff

    “I’m very satisfied with the service received from Morgan Clark. David reminded of and helped me with council tax exemption, which prevented me from more loss. Excellent commu…”

    X. Sun

  • 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

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

    Mr and Mrs Goodbody

  • Dependable support
    Fire Claim – Beverley

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

    Bryoni Butler

  • Dependable support

    “Impact damage
    Very good overall service, professional, easy to contact, knowledgeable and helpful”

    Tom Rishton

  • 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

  • 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

  • Dependable support

    “Extremely professional and helpful .A credit to your company.
    I was kept very well informed.”

    “Settlement exceeded my expectations.”

    Fire Claim, Plymouth

  • 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

  • Weight lifted

    “We are both pensioners in our 70’s. Eight years ago we let our family home to supplement our pensions. Unfortunately, there was a fire incident in the kitchen. The occupiers were…”

    Mr Choudhary

  • End-to-end management

    “Morgan Clark – thoroughly recommended! We were totally inexperienced at making insurance claims, and uncertain how to manage anything after a serious fire. At first we wonder…”

    Brigid Curtis

  • 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

  • Exceeded expectations

    “Pino from Morgan Clark went above and beyond to support us to settle our claim after a large escape of water affected most of our downstairs. Fantastic communication, always aware …”

    Rebecca Bond

  • End-to-end management
    Business Interruption Claim – Hastings

    “Great, honest advice throughout. Settlement exceeded my expectations”

    S. Fitchett

  • 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
    Flood Claim – Cambridgeshire

    “Please thank Dan Norris. Dan is a very lovely person. My husband died at the start of this claim, and Dan was so kind and supportive and was always there to help me. I couldn’t ha…”

    Janice Donovan

  • Dependable support
    Fire Claim – Hartlepool

    “Morgan Clark were very helpful, they made a very distressing situation as easy as possible for me, lots of communication, no question was a stupid question. Settlement exceeded my …”

    V. Cornforth

  • Dependable support
    Flood Claim – Devon

    “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

  • End-to-end management
    Fire Claim – Portsmouth

    “Cannot be faulted in any area as far as we were concerned. Superb, effective and supportive throughout the process.”

    Mr H. Raison

  • End-to-end management

    “Morgan Clark treated us with care and respect from the beginning to end of the whole process and took all of the hard work out of our claim leaving us to be the customer and did ev…”

    Michael McCormick

  • 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

  • Weight lifted

    “Martin Chapman and the team took the stress out of a bad situation. Options were explained in a language we understood and no decisions were made without seeking our permission fi…”

    Shirley Hartnell

  • Dependable support
    Fire Claim – Bury

    “David is very modest and very clear and easy to contact anytime. I personally learned a lot from the way he was handling my claim. This is the first time I use Morgan Clark and I f…”

    B Juma

  • Dependable support

    “Very professional frist time I’ve clamed and did all the work for us”

    Mr & Mrs Howard

  • Dependable support
    Fire Claim – Wiltshire

    “I am just so grateful that Ian Carter came along to talk to me when I first went to see the fire damage. I felt then that I faced an ordeal, Morgan Clark turned it into an increasi…”

    Catherine Fryett

  • Weight lifted
    Fire Claim – Potters Bar

    “Absolutely delighted in every respect… The weight of responsibility was lifted from my shoulders and everything was undertaken in a totally professional manner. I cannot imag…”

    Graham Pooley

  • Dependable support
    Fire Claim – Leyland

    “I was glad that we appointed Morgan Clarke as we had the support of a credible business behind us and fighting our cause at a stressful time. The companies you liaised with have al…”

    Michael Calvert

  • 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

    “Quite simply if it were not for the expertise and professionalism of Morgan Clark I would not have achieved such a fantastic result with my insurance claim after a flash flood deva…”

    Lilias Ahmeira

  • Dependable support

    “Rang with a new enquiry; the helpful receptionist passed me to Alan who took the time to listen as to what had happened. He explained that the case was unlikely to fall within the …”

    R Gabriel

  • Dependable support
    Fire Claim – Glossop

    “We were very happy with the service we received. Friendly & Professional. Settlement exceeded my expectations.”

    Sandra Taylor

  • End-to-end management

    “I am a landlord who lives overseas and one day my property manager informed me that my house had been completely destroyed in a fire. I could not imagine how difficult it would hav…”

    Andrew Dougill

  • Dependable support

    “Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

    Shirley Hartnell

  • Weight lifted

    “Highly recommend – a must have on a major house insurance case They took the administrative burden off us as much as possible during a very stressful period after flooding of…”

    Lisa Hunt

  • Genuine care

    ““Paul made the whole process so much easier than it would have been. He was friendly, patient and incredibly knowledgeable. Settlement exceeded my expectations””

    Kerry Davies

  • 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

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

    Graham Critchlow

  • End-to-end management

    “I had a large fire at a rental property and a rep from Morgan Clark contacted me out of the blue to explain the services they could provide, at first it sounded too good to be true…”

    Stephen Saunders

  • Dependable support
    Fire Claim – St Helens

    “I cannot speak highly enough about the service I have received from Morgan Clark. At one of the darkest hours of our lives you were there and every member of the team has provided…”

    Dr Robert Hirst

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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