If a third party has caused physical damage to your property, such as an engineer or contractor, you will need an experienced team on your side to ensure you are fully reimbursed through their insurance for the damage they have caused.
Third party insurance claims can be particularly complicated and time consuming for landlords. It is not uncommon for significant issues to arise such as the third party refusing to accept liability. In some cases, there can be a problem with the third party’s cover. Unlike a regular insurance claim, legally, it is the claimant’s responsibility to prove that the third party is liable.
If you choose Morgan Clark Loss Assessors to represent your interests throughout your claim, we will keep you in control and ensure your claim is run efficiently so you can re-let 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
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.
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.
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.
Despite all the assurances from both my broker and insurer that they had made me the best possible offer, you were still able to secure a settlement that was more than double the figures they had originally proposed. I had no idea bringing you on board would make such a big difference to the settlement.
I won’t hesitate to call you. Thanks again for the great service.
