For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.
The insurance claim process for homeowners
This flowchart shows an outline of the insurance claim process explaining what you should be prepared for in the coming months (you can click on the flowchart to bring up a larger image).
We will help you get back into your home as quickly as possible, ensuring you receive the full settlement you’re entitled to.
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Why choose us
Resolving your claim as quickly as possible
With a dedicated team led by your Morgan Clark Loss Assessor, we ensure your claim runs seamlessly, restoring your property promptly with expert care.
Being equally represented
Without Morgan Clark on your side, you will be negotiating with the Loss Adjuster alone. Would you consider going to court without a solicitor on your side?
A single point
of contact
As our client, you will never have to go through a call centre. You will have the direct contact details of your Morgan Clark Loss Assessor and their assistant.
Receive the full settlement you are entitled to
Morgan Clark’s unrivalled experience dealing with insurance companies and Loss Adjusters ensures our clients receive everything they are entitled to.
Keeping you
in control
You choose the way your claim is managed – some people like to manage each step with their Loss Assessor, others prefer to let their Assessor take the reins completely – the choice is yours.
Significant reduction
in stress
It is easy to underestimate the time and energy that goes into running a claim. Having an expert guide you through the process will reduce this stress and allow you to focus on your day to day life.
What our clients say, in their own words…
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Flood Insurance Claim Testimonial – Recentre Health Ltd
After a severe leak caused major water damage, reCentre Health turned to Morgan Clark for expert support. We took over the insurance claim, secured a stronger settlement, and lifted the stress—so Tom and Suzi could keep focusing on their clients.
Flood Insurance Claim Testimonial – Lilias Ahmeira
When flooding devastated Lilias’s beautiful Somerset farmhouse, she was left facing the overwhelming challenge of restoring her home while balancing work and motherhood. As a holistic practitioner who’s used to helping others, Lilias suddenly found herself in need of expert support.
Fire insurance claim testimonial – Carl Evans
Carl Evans, a firefighter from Nottingham talks about his experience when his garage caught on fire and his entire house was left smoke damage. After speaking to his Insurance company, Carl soon discovered the expert support of Morgan Clark’s Loss Assessors was going to be essential.
Fire insurance claim testimonial – Jim & Jan
Jim and Jan talk about their experience when a thatched roof fire practically destroyed their home and the crucial help they received from Morgan Clark.
Fire insurance claim testimonial – Jane Bird
When Jane had an explosion at her home she had no idea where to turn until she came across Morgan Clark and she is so relieved that she did.
Landlord fire insurance claim testimonial – Dom Pickett
Dom offers an account of his experience as a Landlord making an insurance claim and offers his top tip to others who find themselves in a similar position.
Popular Questions
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What will my insurance company think if I appoint a Loss Assessor?
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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.
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Doesn’t my insurance company manage my claim?
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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.
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What’s the difference between a Loss Assessor and a Loss Adjuster?
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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.
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How much will this cost?
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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.
Still have questions?
Visit our FAQs page for more answers.
We are authorised & regulated by the Financial Conduct Authority (FCA)
This means our clients are protected. You can trust the professionals managing your claim as we are regulated to the FCA’s strict standards and codes of conduct.
Your claim is in safe hands
As the industry leader, Morgan Clark sets the bar when it comes to standards. We are also proud to support a number of charities both in the UK and overseas.