Flood insurance claim advice for landlords

Morgan Clark Loss Assessors have been managing flood claims on behalf of residential and commercial landlords since 1999.

With Morgan Clark on your side, you will be assigned an experienced Loss Assessor and dedicated team of insurance specialists who will oversee contractors and negotiate with your insurer to speed up the insurance claim process allowing you to re-let your property sooner.

Should you decide to manage the claim yourself, the value in your property could be at risk during reinstatement. By appointing Morgan Clark, you will have peace of mind knowing we are looking after the value in your asset throughout.

Your Loss Assessor’s management style will be guided by you; we offer anything from ‘armchair assistance’ where every element of your claim is managed by your Assessor who will keep you up to date with progress, through to working with you day-to-day to manage the claim together.

How we will help you with your flood 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…

  • Arrange emergency works as quickly as possible to secure your property and prevent any further damage
  • Ensure the full extent of damage is uncovered to safeguard the value of your property
  • Handle all negotiations with your insurer protecting your best interests
  • Restore your property quickly and efficiently to enable you to re-let sooner

We will help you get tenants back into your property as quickly as possible, working to secure the best settlement under the terms of your policy

Flood Stories: Real Experiences

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Wales Flood Claims

Client’s Experience with Morgan Clark Handling His Flood Insurance Claim in Wales

Mr Lund discusses his flood insurance claim and the incredible recovery he… read more

First-hand insurance claim advice from a landlord

Bristol-based landlord, Dom Pickett, shares first-hand insurance claim advice following a fire… read more

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. Click here to read more about Loss Adjusters.

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 here.

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
Fire Claim – Bournemouth

“Just excellent teamwork all round from my perspective, to get the job done in the best way possible. I have no negative comments to bring. Settlement exceeded my expectations.”

P. Macpherson

Dependable support
Storm Claim – Cheltenham

“David proved very helpful and was professional yet friendly at all times. It was David who took control of the situation and got things moving for us.”

Susan Naydorf

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

End-to-end management
Fire Claim – Essex

“The service I received has been absolutely fantastic from start to finish from everyone involved in the process.”

L. Bond

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

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

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

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

Genuine care

“Morgan Clark Remove The Stress What can you say about Pino Musso? Morgan Clark & Pino. I probably shouldn’t pick out one individual but, if ever you are unfortunate enou…”

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

“Through all the difficult times, the ups and the downs, Mr Marc Ross’s (loss advisor at Morgan Clark) experience, level headedness and professionalism has been immense and ha…”

Mohamed Khalifa

End-to-end management

“I have nothing bad to say about Morgan Clarke (MC), and working with them, everything was good. Had a very unpleasant fire experience, not nice, place was a mess, phoned up MC, and…”

Nic T (Martin Thomas)

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

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
Fire Claim – Spalding

“Paul was highly professional throughout a difficult and complex matter. He was calm, diplomatic, an excellent negotiator, extremely knowledgeable, brilliant with details, figures, …”

Mr & Mrs Cameron, Regent Bingo Club

Weight lifted
Fire Claim – Suffolk

“First class. Given the scale and complexity of our claim, we don’t believe we could have coped without you. Having Morgan Clark handling and negotiating things on our behalf …”

Mr & Mrs Metherell

Dependable support

“I had a huge problem with a claim I have made on my insurance company covering building insurance. After 7 months of calls and stress, a quick google search solved the problem. I d…”

Paololuca

Dependable support
Fire Claim – Devon

“Despite these unprecedented times (COVID) you have fulfilled what you had set out to achieve on our behalf and we are pleased with the outcome. We think that you managed extremely …”

C.P. Bradley

Dependable support

“I originally filed a claim with my insurance company for business interruption due to covid closures. For 9 months of closure they came back to me with a settlement of £200. As I …”

Stacey Fitchett

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….”

J Hussain

Dependable support

“Very efficient and professional service. Much thanks to Dan Riley for his help and support.”

John Wilshaw

Genuine care
Flood Claim – Winchester

“Friendly and sympathetic. Pleasant and efficient, I found Natalie especially pleasant and helpful.”

Mrs J. Cole

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

End-to-end management

“From start to finish the standard of service was high. Communication was excellent and each stage was clearly explained. Response to queries and problems was very prompt and very e…”

Miss Lesley Clements

End-to-end management

“I don’t think it’s possible for a layman to resolve a major insurance claim without the help of a loss assessor. In our case our insurer’s loss adjuster tried to …”

Escape of Water Claim, Willingham

Dependable support
Fire Claim – Henley

“Everything has been very efficient. Settlement exceeded my expectations”

Anna James

Dependable support

“Morgan Clarke had our interest first and foremost From the word go Morgan Clarke had our minds at rest that the process would be taken care of. Martin Chapman looked after all our …”

Mr Denham

Dependable support
Escape Of Water Claim – Cheltenham

“Very helpful at all stages. Settlement exceeded my expectations”

A. Phelan

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
Fire Claim – Leicester

“Sunny, Ryan and Bev all provided a faultless exceptional service. I have worked with Ryan on more than one occaision, He has been attentive, diligent and has persevered/persuaded …”

J. Hussain

Genuine care

“You navigated me through a horrible experience with patience and understanding If I hadn’t had your service I think I would still have a damp property as I certainly had no …”

Annette Goldsmith

Dependable support

“Mr Mathew Rawlingson was recommended by a client of his. I contacted him briefly some time ago and found him helpful and approachable. I phoned him on Monday 15th. I was agreeably …”

Antony Lentin

Dependable support
Escape Of Water Claim – London

“Quick to respond, provided references, not a hard sell (which I wouldn’t have wanted when I was feeling particularly vulnerable about the damage). Methodically took me through pro…”

E. Watts

Dependable support

“My damages value was too small for Morgan Clark, understandably, but their Paul Taylor went out of his way to listen, advise, assist, reassure and point me in the right direction t…”

Trustpilot User

Dependable support

“First Class service!!!! Absolutely fantastic service from day 1. Nathan at the beginning helped advise me due to a house fire at the very beginning and his service was excellent. T…”

Ms McDonald

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 – Manchester

“Ryan was very helpful and an asset to your company, very friendly and professional, always emailed and called with updates, went out his way to help and made this stressful task ea…”

M. Amin

Dependable support

“From initial contact to the successful conclusion, the process was explained step by step. Regular contact was maintained throughout with weekly updates. A thoroughly professional …”

Peter Brennan

Dependable support

“Morgan Clark represented us after a major leak required the interior of our home to be stripped back, dried out, and reconstructed over 7 months. They were very professional and re…”

David

Exceeded expectations
Fire Claim – Milford Haven

“Very happy with the overall claim. Received much more than expected so very happy.”

J. Brayley

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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Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.