Third party insurance claim advice for landlords

If a third party, such as a contractor, engineer, or tradesperson, has caused physical damage to your property, you will need an experienced team to ensure you are fully reimbursed through their insurance for the loss or damage.

Third party insurance claims can be particularly complex and time-consuming for landlords. Issues often arise such as the third party refusing to accept liability or problems with their insurance cover. Unlike standard insurance claims, legally it is the claimant’s responsibility to prove the third party is liable, making professional guidance essential to protect your interests.

By appointing Morgan Clark Loss Assessors to manage your claim, you will have a dedicated Loss Assessor and support team on your side. We work to ensure your claim is run efficiently, maintaining the value of your property and enabling you to re-let or return your property to full use as quickly as possible.

Morgan Clark offers flexible claim management options: from ‘armchair assistance’, where we manage the entire claim on your behalf and keep you updated, to a collaborative approach, where we work with you to manage the process together – ideal for landlords of both residential and commercial properties.

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.

Morgan Clark are authorised and regulated by the Financial Conduct Authority (FCA)

Find out what this protection means for you here.

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What our customers are saying about us

Dependable support
Escape Of Water Claim – Powys

“Never having been in this situation before, we were unaware of the role of Loss Assessors! It was mentioned by one of our friends, whereupon I must have googled it and discovered y…”

J. & P. Aldous

Dependable support

“Professional service from experts in their field, highly recommended.”

Iain Mack

Dependable support

“Morgan Clarke had our interest first and foremost From the word go Morgan Clarke had our minds at rest that the process would be taken care of. Martin Chapman looked after all our …”

Mr Denham

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

“We were flooded on Sunday 9th Feb 2020 due to Storm Ciara. We contacted Morgan Clark to act for us with our claim. In spite of lockdown due to Covid-19 they dealt with the claim ve…”

Vivien Cowgill

Dependable support

“Guided me and helped me through my claim I’ve never had to make an insurance claim anything like this before. Mark and Natalie at Morgan Clark guided me through the process, expl…”

Ron Jarman

End-to-end management

“From start to finish my entire experience with Morgan Clark was extremely positive on all levels. I found Martin Chapman who helped guide me through the claim to be conscientiou…”

Michael Button

Dependable support

“First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.”

Trusted User

Dependable support
Fire Claim – Nottinghamshire

“We were shell-shocked after the trauma of losing our home to a devastating fire and didn’t really know the way forward, having never experienced anything like this before.”

Alan & Elaine Timms

Genuine care

“The level of service and customer care received from the dedicated team at Morgan Clark was second to none. Martin and Pino pulled out all the stops to make sure that the settlemen…”

J Roberts

Genuine care

“We were recommended Morgan Clark and Pino Musso by a relative after my girlfriend and I had a house fire. Although Pino couldn’t represent us as our Loss Assessor because of …”

David Marshall

Weight lifted

“Had a fire at my business premises and didn’t have a clue how to deal with the claim. David was brilliant at handling my claim, he got me the maximum claim I was entitled to unde…”

Mohammed Aslam

Genuine care

““Paul made the whole process so much easier than it would have been. He was friendly, patient and incredibly knowledgeable. Settlement exceeded my expectations””

Kerry Davies

Dependable support
Escape Of Water Claim – Worsley

“We have been very pleased with all the services you have provided and are pleased with the outcome.”

Gareth Collins

End-to-end management

“Very helpful , very polite, great communication. Dealt with my claim from start to finish. No stress. Definitely recommend. If I have an issue in the future, I know where to come. …”

Charlie Lockwood

Dependable support
Fire Claim – Leyland

“I was glad that we appointed Morgan Clarke as we had the support of a credible business behind us and fighting our cause at a stressful time. The companies you liaised with have al…”

Michael Calvert

End-to-end management
Fire Claim – Cambridgeshire

“As you can imagine, after our house fire we were very scared and apprehensive about the whole insurance claim and subsequent works. We had never experienced anything like this in t…”

Tony Cornwell

Dependable support
Fire Claim – Somerset

“Following the fire I felt very anxious how I would be able to manage the restoration. My son arranged Morgan Clark following a visit to the site by a representative. I was not awar…”

C. Haines

Genuine care
Flood Claim – Cambridgeshire

“Please thank Dan Norris. Dan is a very lovely person. My husband died at the start of this claim, and Dan was so kind and supportive and was always there to help me. I couldn’t ha…”

Janice Donovan

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

“They were fantastic from the start. This was our first claim ever and although we’d been advised by friends to use a private loss adjuster we hadn’t been interested as …”

Antonia Macintyre

Dependable support
Fire Claim – Cambridge

““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 t…”

Jane Hampshire

End-to-end management

“A professional and personable experience. Information was forthcoming. Results were excellent.”

Mike

Dependable support

“When I got the news that a house I was letting had a serious fire that made it uninhabitable I was full of dread about how I would cope with whatever was to come, before I had it b…”

Catherine Fryett

Dependable support
Fire Claim – Bury

“David is very modest and very clear and easy to contact anytime. I personally learned a lot from the way he was handling my claim. This is the first time I use Morgan Clark and I f…”

B Juma

Dependable support
Escape Of Water Claim – Essex

“I cannot overstate how fantastic Dan Norris has been in dealing with our claims. I would highly recommend Dan Norris and Morgan Clark to anyone going through an insurance claim. Da…”

D. Vora

Weight lifted

“We had a straight forward and stress free experience dealing with Morgan Clark as they handled our house insurance claim. They kept us informed each step of the way and gave us goo…”

Peter Corkhill

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…”

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

Dependable support
Fire Claim – Ashbourne

“I have been very pleased with the standards of care and professionalism from Martin Chapman of Morgan Clark. Settlement exceeded my expectations”

Kieran Phelan

Dependable support

“I had a huge problem with a claim I have made on my insurance company covering building insurance. After 7 months of calls and stress, a quick google search solved the problem. I d…”

Paololuca

Weight lifted

“A very professional company who transformed our nightmare situation when a relative’s house was seriously damaged by fire into a pleasure. They managed all aspects of the hou…”

Graham Pooley

Weight lifted

“Martin Chapman and the team took the stress out of a bad situation. Options were explained in a language we understood and no decisions were made without seeking our permission fi…”

Shirley Hartnell

Genuine care

“I was recommended Pino Musso who works at Morgan Clark from a friend who had suffered a fire in his home. After the initial meeting I didnt have to lift a finger. Pino kept me upda…”

Anthony Fairclough

Weight lifted

“Morgan Clark provided us with peace of mind and managed all aspects of the fire incident at our home with care and professionalism. We are so so grateful to Morgan Clark You are a …”

Trustpilot Review

Genuine care

“In August 2023 we suffered the loss of our bungalow to fire, needless to say one of the most traumatic events of our lfe. Within 24 hour we were contacted by representatives from L…”

Mr Keith Young

Exceeded expectations

“This is the second time over the last several years we have used this service. On both occasions the support, guidance and outcome was exceptional. I would highly recommend that an…”

David

Dependable support

“Morgan Clark representative Marc Ross expertise, professionalism, and unwavering support have truly made a significant difference during what could have been a very challenging tim…”

Anuj Gupta

“Dealing with a large water leak claim I cannot fault the excellent service and advice that I received from Marc Ross at Morgan Clark Marc was always available and responsive to my …”

Mr Georgiou

Dependable support

“We are so pleased we appointed Tony Clark of Morgan Clark to handle our insurance claim for us. He was so knowledgeable and professional in all respects in his dealing with us and…”

Lyn Armitage

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