Third party insurance claim advice for homeowners

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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

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

“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

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

Dependable support
Fire Claim – Derby

“Paul was always on hand when needed, he always seemed and sounded very calm which kept me calm. because of paul my life carried on almost as normal. Not having to think or constant…”

Stephen Grounsell

Dependable support

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

Wayne

Dependable support
Fire Claim – Beverley

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

Bryoni Butler

Dependable support

Silchester Sports Pavilion

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

“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
Impact Claim – Essex

“He was extremely helpful and friendly and we knew we were in good hands.”

M. Forkan

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

“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

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

Weight lifted

“The service offered by Morgan-Clark from all who dealt with my claim was first class. I achieved a far greater sum as a result of having my claim professionally handled. In particu…”

Mr Dan Cattell

Dependable support
Fire Claim – Stockton on tees

“Overall I am very very satisfied with the outcome. Absolutely brilliant. 10/10. Settlement exceeded my expectations.”

S. Shafiq

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

“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
Escape Of Water Claim – Goosnargh

“We received £35000 from water damaged in our kitchen, Pino claimed for things we wouldn’t even think of but he claims for everything which had been damaged down to a cup or towe…”

Katy Hollinghurst

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

Genuine care

“We couldn’t be more pleased with every aspect of this process – from initial contact through to meeting Pino, meeting the Surveyor, choosing a Contractor and working throug…”

Fire Claim, Preston

Dependable support
Flood Claim – East cowick

“…we would have been lost without the advice martin chapman / morgan/clarke provided. we did not know what to expect in the way of settlement , and we were delighted with the …”

Mick Bielby

Dependable support
Fire Claim – Gwynedd

“Pino was personable, responsive, informative and effective. Communication was easy.”

R. McMahon

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
Escape Of Water Claim – Recentre-Health Ltd, London

“Morgan Clark is a highly experienced, professional company which delivers a valuable service at a fair price. I have been continually impressed by all those in the company with who…”

Tom Roberts

Weight lifted

“A very professional company who transformed our nightmare situation when a relative’s house was seriously damaged by fire into a pleasure. They managed all aspects of the hou…”

Graham Pooley

Genuine care

“Morgan Clark are the EXPERTS… I am especially grateful for the immense kindness, compassion, and support Morgan Clark showed during my most difficult moments after our house …”

Previous Client

End-to-end management

“I highy recommend Morgan Clark. They supported me and acted as my advocate for a process which took nearly two years from start to finish. They led the way through a complicated an…”

Deborah Reed

Genuine care

“After a serious flood Morgan Clark were recommended, we met Dan Norris who was the most wonderful , kind and helpful person . I really do not know what I would have done without th…”

Mrs Donovan

Dependable support
Flood Claim – Taunton

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

R. Jarman

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

Dependable support
Fire Claim – Cambridge

“Friendly, professional, informative and relaxed”

J. Cloherty

Weight lifted

“Morgan Clark took what could have been a very stressful situation (a car drove into one of my rental properties,) and made is as seamless and stress-free as possible. I was very ha…”

Mike Samuels

Dependable support

“We experienced a house fire in 2022. The first couple of weeks after the fire were just awful. The loss adjuster our insurance company used to handle our claim were possibly the wo…”

Mrs Addis

Dependable support

“Having been notified of a horrendous house fire in one of our rental properties, whilst out of the country on holiday, we felt helpless and unsure what to do. We immediately contac…”

Robin Bamford

Dependable support

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

“Thanks Mick Hindle”

Mick Hindle

End-to-end management
Fire Claim – Bristol

“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…”

Dom Pickett

Genuine care

“Pino was fabulous. Even at 7pm he answered the phone.”

Yuen Ling Tse

End-to-end management

“Tbh i was sceptical at first using one of these companies, but i was too busy with work to deal with it myself so i thought id give it a go. Wow Fantastic company. Helped and kept …”

Kim Kim

Dependable support
Escape Of Water Claim – Basildon

“Great service, very helpful and efficient. Settlement exceeded my expectations”

Victoria Morgan

Genuine care

“We were recommended Morgan Clark and Pino Musso by a relative after my girlfriend and I had a house fire. Although Pino couldn’t represent us as our Loss Assessor because of …”

David Marshall

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

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