Flood insurance claim advice for landlords

Morgan Clark Loss Assessors have been managing flood claims on behalf of 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 your tenants back into their property as quickly as possible, ensuring you receive the full settlement you’re entitled to.

Find out how we helped David, a landlord from Conwy, when he had a flood, here’s what they said about the experience.

https://www.youtube.com/watch?v=pVkojmTz8wE

Mr Lund discusses his flood insurance claim and the incredible recovery he made with Morgan Clark on his side. The flooding was caused by a culvert becoming blocked

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 will this cost? 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.

Still have questions?

Visit our FAQs page for more answers.

See all of our reviews on
We could not have done this without you …

“Exemplary! There was no occasion when we did not feel fully informed about the progress of our claim and the activity at that time being undertaken by all parties concerned. We co…

Mr & Mrs Biggs

You took all the worry away from us …

“We were in a very bad place following the fire when we contacted you after a random internet search. You took all the worry away from us and we were prepared to accept whatever de…

Ms Brandon

Never have I come across a team of people who exceeded my expectations…

“I have worked as a professional all my life. Never have I come across a team of people who exceeded my expectations. They were courteous, kept in touch at every stage, quick to re…

Mr Rabinowitz

You did it all for us and we can’t thank you enough …

“We have found you extremely easy to deal with and to be honest you made the process very easy for us with taking the workload in that area from us. After such a terrible fire, you…

Ms Hall

Outstanding customer service and experienced staff …

“Extremely high standard of service. Extremely professional, both representatives that dealt with the case, Nathan Robertson and Ryan Field, gave clear and honest advice. Always av…

Mr Asif

Vital in getting the insurer to accept the liability …

“Morgan Clark understood the policy wording on our landlord insurance policy which has been vital in getting the insurer to accept the liability and the costs that were involved in…

Mr Seedat

Alan was very helpful, friendly and extremely informative …

“Alan was very helpful, friendly and extremely informative. He guided us through the initial process of making a claim after the traumatic experience of having a house fire. All e-…

Ms Wilson

We have recommended your company and would do again …

“Paul was very helpful and explained all the options and kept us updated taking a lot of stress and time-consuming communications away from us when we didn’t really know what to …

Mr Boylan

Reassuring advice throughout …

“All parties involved at the site meetings were so helpful and absolutely professional in organising the repair of our house and the claim for damages and contents. Everything was …

Mr & Mrs Mc Ginness

Reassuring advice throughout …

“Due to the poor experience with the loss adjuster we never thought that we would have our house returned to the condition before the incident happened but Martin excelled in his q…

Mr Nazir

We can’t thank you all enough…

“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…They we…

Mr & Mrs Badder

An outstanding service…

“This is the second time we have used your service. What you offer is an outstanding service at a time when clients are faced with major turmoil in their lives and the potential of…

Mr Lund

I know I would not have coped without them…

‘My team’ as I have grown to call them, have supported us through some challenging times, all with 100% professionalism, and with total support when I was finding all the…

Mrs Hampshire

Highly supportive and we cannot recommend them enough…

Our high level of satisfaction with Morgan Clark comprised of many fundamental components including communication, teamwork and collaboration sk…

Dr Baqar & Mrs Ali

fca morgan clark

We are authorised & regulated by the Financial Conduct Authority (FCA)

This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.