Impact damage insurance claim advice for landlords
If a vehicle has collided with your property, causing impact damage to the structure, it is vital to appoint an experienced team to assess the full extent of the damage. Impact incidents can compromise structural integrity in ways that are not always immediately visible, and careful management is required to ensure the long-term value of both residential and commercial properties is protected throughout the restoration process.
If you choose to appoint Morgan Clark to represent your best interests throughout the insurance claim process, you will be assigned a dedicated Loss Assessor. The full extent of the damage to your property will be uncovered and repaired quickly to enable you to re-let your property as soon as possible.
At Morgan Clark, we offer our landlord clients a range of management styles from ‘armchair assistance’ where we will progress the claim on your behalf and keep you up to date, through to ‘side-by-side’ management where we will manage the claim together.
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…
- 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.
24/7 support
0808 273 8929Popular Questions
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What will my insurance company think if I appoint a Loss Assessor?
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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.
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Doesn’t my insurance company manage my claim?
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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.
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What’s the difference between a Loss Assessor and a Loss Adjuster?
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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.
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How much will this cost?
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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.
Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)
Find out what this protection means for you here.
The FCA regulates the financial services industry in the UK, this means:
- Your money is protected – FCA rules ensure your claim is handled with safeguards that protect your interests.
- You’re treated fairly – strict standards and codes of conduct mean you’re never misled or taken advantage of.
- You can trust the process – only authorised firms can legally manage claims, giving you confidence in the outcome.
Your claim is in safe hands
As the industry leader, Morgan Clark sets the bar when it comes to standards. We are also proud to support a number of charities both in the UK and overseas.
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