Understanding the home insurance claim process

What happens throughout an insurance claim? If you are wondering what to expect in the coming months, you are not alone. This is a common concern for homeowners at the outset of a major claim. While every claim is unique and will not follow exactly the same path, there are some elements detailed here that you should expect.

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Stage 1

1

Notify the insurance company.

2

Appoint a Loss Assessor who will manage this whole claims process for you.

3

Emergency contractors need to make your home safe i.e. switching off utilities and boarding up windows.

4

Find emergency accommodation, such as a hotel, family or friends’ house.

5

Meet with the Loss Adjuster to discuss your claim and policy coverage. Preparation is crucial and will impact the outcome of your claim.

Stage 2

6

Following your meeting, the Loss Adjuster’s initial report will be submitted to the insurer.

7

A restoration company will be appointed to carry out initial clean up works.

8

A Chartered Surveyor should be appointed to your claim. To check their credentials, look for them on the RICS register online: www.rics.org

9

Find suitable long-term accommodation. There are many options available – please ask us for details.

10

Damaged contents should be listed and priced to submit as your contents claim. Photographic evidence and receipts are useful.

Stage 3

11

Contents and building claims negotiations with loss adjuster

12

Once the Surveyor’s building works have been agreed, contractors will tender to rebuild. You have the final say on who is appointed.

13

Once the contents claim has been agreed you can opt for a cash settlement, replacement of items, or a combination of both.

14

You are free to move back home as soon as works have been completed.

Claim Settlement

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What our customers are saying about us

End-to-end management

“They held our hand through the whole process, dealing with the insurers and appointing surveyors and builder, they were always available to answer any questions we had and deal wit…”

Mr & Mrs Mclean – L.U.V property Ltd

Dependable support

“Super efficient, responsive and professional service. Matt is an highly experienced, knowledgeable and trustworthy loss assessor. His straightforward advice and guidance throughout…”

Nicola Urquhart

Dependable support

“The staff at Morgan Clark came to our aid after a house fire, during as you can imagine a very stressful time they on our behalf went into action, all the way through a 10 month pr…”

Dean Howells

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

Weight lifted

“Following a major house fire Morgan Clark provided an amazing level of service, from dealing with and negotiating with the insurers, appointing a professional chartered surveyor wh…”

Matthew Williams

Genuine care
Fire Claim – Lancastershire

“Pino was always available to talk, and guided us through the process. Liased directly with the insurers and put our minds at ease. Settlement exceeded my expectations.”

J. Tyson

Dependable support

“Excellent service during a very difficult time”

Daniel Waller

Dependable support
Malicious Damage – Lancashire

“Honestly, I have no negative feedback, only positive. It is so unusual nowadays to deal with such a professional, honest and dedicated group of people. Moreover, it wasn’t just o…”

Fiona Glen

Dependable support

“Having become involved in a considerable insurance claim concerning a property involved in a neighbouring gas explosion and fire I am thankful to have had Morgan Clark navigate thi…”

Philip Lyndon

End-to-end management
Fire Claim – Liverpool

“In such a sad circumstance the entire team were there for me, I felt reassured and secure they would get my home back. Can only give praise and thanks. Settlement exceeded my expec…”

P. Perry

Dependable support

“Absolutely brilliant service from everyone involved in our house renovation “

“Thanks Mick Hindle”

Mick Hindle

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

Dependable support
Fire Claim – Chesterfield

“Nathan was the first person to view our house and answer our questions about what we were going to need to do.”

Stephen Barnes

Dependable support

“After our home was flooded over a year ago, our insurer and their loss adjuster seemed motivated by their own best interests, not ours. When Morgan Clark’s Taunton team agree…”

Kevin

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
Escape Of Water Claim – Atherton

“Pino did a great job. Settlement exceeded my expectations”

W. Sankey

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

“Rang with a new enquiry; the helpful receptionist passed me to Alan who took the time to listen as to what had happened. He explained that the case was unlikely to fall within the …”

R Gabriel

Genuine care

“I cannot fault the service I received, everyone I dealt with were very helpful . I was treated with the utmost respect at all times as the incident was very traumatic due to the fa…”

Impact Claim, Cambridgeshire

Exceeded expectations

“Brilliant service would highly recommend.”

Advice Debt

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

Dependable support

“I was a little dubious about using a loss assessor – I’m good with a spreadsheet and can argue a case well. However, insurance companies are known to be less than fair …”

Julian Evans

Dependable support
Fire Claim – Droylsden

“We were very pleased with the overall service and standard of workmanship. Mike is in the home home improvement industry and understands the pressure of the supply chain. All parti…”

Mike and Gwen Graham

End-to-end management

““We cannot possibly say in a few words how much we appreciate the support and compassion that we received throughout the process.””

David and Linda Heckles

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

Dependable support
Fire Claim – Middlesbrough

“Impeccable standard of service by MC. The settlement, without doubt, would not have been achievable without MC. Very straightforward to deal with and available to answer question r…”

John Hines

Dependable support
Flood Claim – Ipswich

“Generally very good. Contact was good and my calls, if unable to be taken immediately, were always promptly returned or an emailed reply was sent. I felt very respected by every…”

S. Andres

Dependable support

“Well done as I expected.”

Mr Sun

Dependable support

“They helped us so much navigating a very difficult time.”

Pfavai McNab

End-to-end management

“Very professional and extremely helpful. Took care of everything relieving the stress throughout a difficult time.”

Trusted User

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
Impact Claim – Essex

“He was extremely helpful and friendly and we knew we were in good hands.”

M. Forkan

Dependable support

“I have already spent nearly an hour giving in detail my good experience with this company . cannot spend another hour to say it was all good.”

Prue Macpherson

End-to-end management

“Excellent service and and up to date information with the progress from start to finish. Special thanks to Martin Chapman, Sara Lohan .. Paul Read and Nathan Robertson for their …”

Eddie Masterson

End-to-end management

“Having never dealt with an insurance claim before, I didn’t really know what to expect. I thought I could do it alone and deal with the insurnace company myself. Even after s…”

H Singh

End-to-end management

“I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine claim literally weeks after moving into our new home . Th…”

Wendy Stubbings

Dependable support
Explosion Claim – Portsmouth

“Such a professional standard of service they made everything so much easier by taking over all of the hard complicated stuff and making us feel that we where the customers not the …”

M. McCormick

Dependable support
Fire Claim – Worcester

“Extremely professional, knowledgeable, efficient, timely, courteous and informative”

J. Wells

Dependable support
Fire Claim – Bromley, London

“Initially we were sceptical about the service offered, but once the decision was made, we realised it was the best way to go. We were never left in the dark. Sara was particularly …”

Mr D And Mrs J Buckstone

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

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