Malicious Damage & Riot Insurance claim advice for landlords

There are occasions when properties are damaged intentionally. There have been more and more cases in recent years where tenants have built cannabis farms in rented properties, for example. As a (residential or commercial) landlord, you might find an insurance claim as a result of malicious damage or riot, could result in a loss of many months’ rent. If the structure of your property has been affected, having a Loss Assessor on your side could significantly reduce the time your property is left unfit to let.

For a free, no obligation review of your position, you are welcome to call us for advice 7 days a week and if you choose to appoint us as your Loss Assessors, you could rest assured knowing your claim was being dealt with professionally and efficiently to get your tenants back into your property as quickly as possible.

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

End-to-end management
Escape Of Water Claim – Kings Langley

“From the first conversation, Matt was thorough, patient and incredibly understanding. He removed any panic and stress that I possessed from the previous encounters with the insuran…”

J. Boyd

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

Dependable support

“I had never had to make a large insurance claim, so when a tree fell on my home and made it uninhabitable, I did not know where to begin. Morgan Clark came to my rescue and I could…”

Jane Lindsay

Dependable support
Fire Claim – Birmingham

“Paul Taylor was extremely helpful at a very difficult time for us and our family. The service we were given was fantastic and I cannot thank Morgan Clark and Paul Taylor enough for…”

Mr and Mrs Nathoo

Dependable support

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

John Wilshaw

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

End-to-end management

“I was contacted by Morgan Clark after a serious house fire. I appointed them to manage my claim and was very pleased with the service. They handled every aspect of the process wi…”

Edward Faherty

Genuine care
Fire Claim – Bristol

“He was sympathetic and excellent… we are so grateful that he came to see us. We felt we had someone on our side. Very confident with the whole service. Settlement exceeded my…”

Paul Uttley

End-to-end management
Malicious Damage – Lancashire

“Firstly I must thank Bill, who had used Morgan Clark’s services and suggested we make contact when we needed help. Standard of service is just wonderful taking all pressure and st…”

Marion Glen

Dependable support
Fire Claim – Rochdale, Lancshire

“I was extremely sceptical of this sort of service, “ambulance/fire engine chasers”, but I’m really glad I gave Robert some time on the morning of the fire. One of…”

Danny Knott

Dependable support
Fire Claim – Beverley

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

Bryoni Butler

Dependable support

“Morgan Clark provide an excellent professional service and i would not hesitate to recommend them to family and friends.”

Mr Stephen Jackson

Dependable support
Fire Claim – Leeds

“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. I especi…”

Peter Craggs

Exceeded expectations
Fire Claim – Warrington

“Could not fault the service, exceeded all my expectations”

Karen Berry

End-to-end management
Fire Claim – Silchester

“Excellent service from submission of claim to final settlement. Settlement exceeded my expectations. Very supportive throughout the process”

Peter Howells

Dependable support

“After a burst pipe/escape of water in 2016 and having problems with the Loss Adjusters for the insurance company, an internet search brought me across Morgan Clark. From the very …”

Louise Tyler

End-to-end management

“I was a bit sceptical about signing up with Morgan Clark at first, as I wasn’t aware companies like these existed. However, after being explained what Morgan Clark did and how th…”

Mr Malik

End-to-end management
Fire Claim – Coventry

“I have no complaints or issues to raise with the service provided, you have been brilliant! Ryan has been a tremendous help throughout the whole claim. He was always on hand to ans…”

H. Aujla

Dependable support

“When our house got flooded October 2023 following the storms. I was advised to get Loss Adjustor to act on our behalf when dealing with the insurance claim. It was the best advice …”

Lorraine O'connor

Weight lifted

“I think on reflection the most important service you gave was to take the load from my shoulders.Dan and Denise smoothed out problems that I was unaware I had at the time.The traum…”

James Pinhorn

Genuine care

“Excellent service from Morgan Clark throughout our whole claim process. We felt like they were understanding and empathetic of our situation. Excellent communication also throughou…”

Jay

Genuine care
Fire Claim – Nefyn

“The ordinary person on the street does not know about the role of a loss assessor. Once he had explained, and we digested the situation over night, we welcomed his assistance. We…”

Pam Heath

Dependable support
Fire Claim – Hertfordshire

“As a property owner located in the USA, I could not imagine handling this claim without the expertise of Morgan Clark. They just made it so easy and low stress.”

Andrew Dougill

Dependable support
Fire Claim – Canterbury

“I believe I made the right decision with using Morgan Clark to handle my claim as the level of expertise and professionalism displayed by all those I came into contact with really …”

Efemena Ikie

Dependable support

“We were very pleased with the service we received from Morgan Clark & believe we wouldn’t have been able to achieve the same cash settlement without our Assessor’s expertis…”

Trevor & Pauline Higgs

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

“Morgan Clark have helped us every step of the way with our claim. We had never dealt with a house insurance claim before and having their expertise and advice was crucial to unders…”

Emma Wadsworth

End-to-end management
Fire Claim – Hants

“Quite simply, Morgan Clark have seen us through something I don’t feel with could of handled on our own. We would not hesitate to recommend Morgan Clark to anyone. From the m…”

G. Yates

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

End-to-end management
Fire Claim – Mickleton

“I was exceptionally pleased with the whole process. Professional effective and responsive. Settlement exceeded my expectations.”

J. Lonsdale

Dependable support

“Excellent service during a very difficult time”

Daniel Waller

Dependable support
Escape Of Water Claim – Cardiff

“I’m very satisfied with the service received from Morgan Clark. David reminded of and helped me with council tax exemption, which prevented me from more loss. Excellent commu…”

X. Sun

Weight lifted
Fire Claim – Cornwall

“With my situation I am so glad that I chose Morgan and clark to assist me with my claim as from the very start all the way through David and Natalie were there to take the s…”

Mrs Julie Fillingham

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

Weight lifted

“I would highly recommend engaging with Morgan Clark if you ever have a major insurance incident. It was such a relief for your loss advisor and team to handle all the major communi…”

Mark Goodwin

Dependable support
Escape Of Water Claim – Cheltenham

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

A. Phelan

Exceeded expectations
Fire Claim – Southampton

“I am grateful for the support given by Morgan Clark as I feel without them I would have not been able to have as much covered by insurance as we did. Very happy with the overall cl…”

K. McGregor

End-to-end management

“Morgan Clark are truly brilliant! We appointed Morgan Clark at the outset of a complex property claim that ultimately took over a year to reach settlement. From the beginning, thei…”

Mr James

Dependable support

“Morgan Clark really helped me with a settlement that was very challenging and made a very distressing situation as easy as possible. Communication was great, my loss assessor Marti…”

Vikki Cornforth

Exceeded expectations

“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…”

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