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 tenants back into your property as quickly as possible, working to secure the best settlement under the terms of your policy

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

Genuine care
Fire Claim – Preston

“Pino and Sarah dealt with my claim in a professional, Friendly and efficient manner keeping me updated at all times and pursuing my insurers loss adjusters who were inadequate. I k…”

Rizwan Patel

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

“We were extremely pleased with the standard of service we received, particularly from our contact, Paul Taylor, who worked very hard on our behalf after our fire last year to liais…”

Debbie Howe

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

“Morgan Clark were absolutely great at keeping me informed and most importantly explaining the various aspects of the process. This was very much appreciated especially at such a di…”

Efemena Ikie

End-to-end management

“After a house fire in 2020, we were completely in the dark over where to go next. We were visited by a member of the Morgan Clarke team to offer theirs services. As we had no exper…”

Joanne Tyson Pearcy

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

Dependable support
Fire Claim – Havant, Portsmouth

“Matt along with his colleague Dennis were very approachable and addressed any queries or requests very promptly and with professional expertise. Including liaison with the letting …”

E. Williams

Dependable support

“Very helpful kept us in touch all times easy to speak to Martin Chapman top man”

Mr & Mrs Robinson (Brian & Pamela)

End-to-end management
Fire Claim – Sheffield

“Martin was great throughout the process. We didnt really know where to start and Martin just took all the stress out of the process. He explained things well. His experience having…”

F. Parkinson

Weight lifted
Fire Claim – Derbyshire

“Very satisfied with the way my claim was dealt, I did not need to worry about the process. Rapid response to all my request. Settlement exceeded my expectations.”

S. Barszczewski

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

“Morgan Clark helped me immensely after a fire at my house, i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everything w…”

Eddie Masterson

Dependable support
Fire Claim – Spalding

“Dan was great. Dan did a fantastic job… I would definitely recommend MC… Settlement exceeded my expectations.”

William Ruddle

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…”

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

End-to-end management

“They have been hugely responsive and sensitive to our requirements (and mental well being) as it has been a long process as my mother’s home dramatically caught fire on Chris…”

Fire Claim, Bridgend

Dependable support

“Communication and expertise are excellent. Kept up to date throughout the process together with regular updates”

Mr Phillip Allsop

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
Fire Claim – West Yorkshire

“I was impressed by the standard of service I’ve received from Morgan Clark and would happily recommend them to anyone finding themselves in similar circumstances to mine. Settleme…”

L. Clements

Dependable support

“After a serious fire at my home. I employed Morgan Clarke. Bedfords surveyors and Response and Restore to manage the process and undertake the Remedial work. I found all the compan…”

John Lonsdale

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
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 towel…”

Katy Hollinghurst

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

End-to-end management

“I had a fire at my home around Christmas time causing extensive damage, you can image how stressful this is, what do I do, who do I contact, what’s going to happen now, will my i…”

Neil Kelly

Dependable support

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

Wayne

Dependable support

“Staff and contractors where knowledgeable and professional. Our property was repaired to the highest standard. Their involvement actually speeded up our insurance claim and ensured…”

Rebecca

End-to-end management
Escape Of Water Claim – Stoke-on-Trent

“I am extremely satisfied with the overall standard of service I received during the settlement of my water escape damage claim. From start to finish, the process was managed with a…”

Vivek Singh

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

Weight lifted
Fire Claim – Chorley

“From the Initial visit to completion date I have been able to contact all of the parties involved, they have all been very helpful, friendly and efficient and was so pleased that I…”

Fidelis

Weight lifted

“Supportive, friendly, professional, efficient they got my stalled claim going, took the stress out of a horrible situation and me back in my home”

Roger Vince

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

Dependable support

“Morgan Clarks representative Matt Rawlingson and colleges were very proactive in the management of reinstatement of my property. Their communications both verbally and electronic w…”

Edward Williams

Dependable support
Flood Claim – Welshpool

“I could not recommend Morgan and Clark highly enough. Indeed I have already informed a colleague, who suffered a flood recently, of the outstanding service Morgan and Clark offer.”

Rebecca Midwinter

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 – Crowdys great coxwell

“Very good-personable and professional. Both excellent”

Peter Rowe

End-to-end management
Escape Of Water Claim – Saffron Walden

“I was reassured immediately by the original person who visited and it made me realise I had made a good decision using Morgan Clark immediately. (Dan is) An absolute legend. He has…”

Antony Ross

Dependable support
Flood Claim – Warminster

“I found the MC team and associated companies professional and helpful at all times.”

D. Behrens

Weight lifted
Fire Claim – Ombersley

“With the added stress of Covid and restrictions I felt the claim was dealt with as swiftly as was possible. Never wanting to have a large accidental clam again, ever, I would use M…”

A. Parker

Dependable support
Escape Of Water Claim – Norwich

“From initial call, site visit was quick and very informative. The overall standard for start to finish was excellent with all involved. Dan was very helpful through this very hard …”

Ian Jackson

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