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).

For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.

Support when you feel outnumbered

Contact us to ensure your claim is handled fairly and efficiently.

Why choose us

Resolving your claim as quickly as possible

With a dedicated team led by your Morgan Clark Loss Assessor, we’ll drive the progression of your claim and oversee the restoration of your property with professional care.

Equal representation at every stage

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.

Helping you secure your full settlement

Drawing on extensive experience working with insurers and Loss Adjusters, Morgan Clark strives to secure clients the best possible settlement under their policy.

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.

Support to ease the stress

Managing a claim can be incredibly demanding. Our experienced Loss Assessors provide practical support to help make the process easier, relieve the stress and allow you to focus on getting your life back on track.

Navigating claims – clients share their stories

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Testimonial: ReCentre Health Ltd’s story, Flood Claim, London
London Business Interruption Claims

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to… read more

Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
North Business Interruption Claims

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned… read more

Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire
Midlands Fire Claims

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating… read more

Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark
South Fire Claims

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make… read more

Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark
South Fire Claims

Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

When Jane had an explosion at her home she had no idea… read more

Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark
South Fire Claims

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

When Rob and Catriona returned home from work to find their house… read more

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

Dependable support
Fire Claim – Manchester

“Thank you Morgan Clark for everything that you have done for me. I would without any hesitation contact you again if needs be and recommend your services to anyone that needs them….”

S. Habib

Dependable support

“Ian was a gentleman and absolute professional in his introduction of Morgan Clark and its insurance assessor services to us. He has a very calm friendly reassuring approach, no har…”

Fire Claim – Worcester

Dependable support

“Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

Shirley Hartnell

Dependable support
Fire Claim – South Yorkshire

“Morgan Clark were great to work with. If I had a significant claim and or knew someone who has, I would not hesitate in using them again or recommending them. Settlement exceeded …”

I. Reynolds

Weight lifted

“Martin, Sarah and Nathan were brilliant. I was traumatised after a fire and they looked after everything, answered every question and concern that I had. They relieved me of so muc…”

Shahina Begum

End-to-end management
Fire Claim – London

“It was the best thing I did to assign Morgan Clark to help me with my claim . They have a lot of experience in this field , I’ve never had to make a claim for fire before so …”

Emine Enver

Dependable support

“Morgan Clark helped me immensely after a fire at my house, i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everything w…”

Eddie Masterson

Dependable support

“Having suffered a fire, which required serious renovation, from the moment Morgan Clark arrived, we felt cared for and had advice from professionals who were on our side”

Paul Uttley

Genuine care

“Morgan clark were excellent from the word go. Their representative Pino was informative, supportive, understanding and easily contactable. The advise they gave was extremely helpfu…”

Richard Roberts

Dependable support
Escape Of Water Claim – Burnley

“Pino Musso was a true Gentleman nothing was too much such a helpful and lovely man… I was kept very well informed… excellent on communication… Settlement exceeded…”

Maria Abbott

Weight lifted
Escape Of Water Claim – Recentre-Health Ltd, London

“Morgan Clark is a highly experienced, professional company which delivers a valuable service at a fair price. I have been continually impressed by all those in the company with who…”

Tom Roberts

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 – Hartlepool

“Morgan Clark were very helpful, they made a very distressing situation as easy as possible for me, lots of communication, no question was a stupid question. Settlement exceeded my …”

V. Cornforth

Dependable support

“Our home was flooded in October 2023. We had never claimed on our home insurance and had a very difficult time trying to contact our insurers. The day after the flood, we were coll…”

Mr & Mrs Conway

Dependable support

“Sunny Singh was extremely helpful with an insurance claim I was not making any headway with before speaking to him. Friendly, nothing was too trouble. Overall excellent experience”

Victoria W

Dependable support
Flood Claim – Nottingham

“Martin was very professional, friendly and reassuring. Easily contactable. Answered all our questions fully. We recommend this team. They were all excellent and we are very satisfi…”

Mr & Mrs Conway

Dependable support
Fire Claim – Stockton on tees

“Overall I am very very satisfied with the outcome. Absolutely brilliant. 10/10. Settlement exceeded my expectations.”

S. Shafiq

Weight lifted
Fire Claim – Leeds

“We were very happy with everything. We felt completely looked after by Martin Chapman and that we could 100% trust him. Got the right builder and made it stress free for my family….”

Philip Howard

Dependable support
Fire Claim – Oxon

“We cannot fault the service at all . We honestly don’t know how we would have been able to deal with all this without Morgan Clarks expert knowledge and service. A truly exc…”

Hannah and Richard Spooner

Dependable support

“Superb company to deal with. Highly recommended. Kept me informed throughout the duration of the claim and a special mention to Pino and Sarah for the support they provided taking …”

Riz Patel

End-to-end management

“I am a landlord who lives overseas and one day my property manager informed me that my house had been completely destroyed in a fire. I could not imagine how difficult it would hav…”

Andrew Dougill

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

Dependable support

“Mr Mathew Rawlingson was recommended by a client of his. I contacted him briefly some time ago and found him helpful and approachable. I phoned him on Monday 15th. I was agreeably …”

Antony Lentin

End-to-end management
Fire Claim – Hinckley

“The standard of service excellent throughout especialy the the valuation of the contents. Settlement exceeded my expectations.”

Fran Snell

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

End-to-end management

“Absolutely excellent from start August 2023 . We would still be in the dark and struggling, they are still fighting for us! Flood”

Lynda & Ian Murray

Genuine care

“The service we received from Morgan Clarke was something else. Initially the whole thing just looked a nightmare but Pino and Morgan Clark came to us and gave us the reassurance we…”

Bilal Yusuf

Genuine care

“Burst pipe devastation Where do we start? While on holiday in January 2025 we got a call from our friend who was looking after our home, that our house had been devastated by a bur…”

Linda Heckles

Genuine care

“You navigated me through a horrible experience with patience and understanding If I hadn’t had your service I think I would still have a damp property as I certainly had no …”

Annette Goldsmith

Dependable support
Fire Claim – Barwick

“I was kept very well informed. Settlement exceeded my expectations”

Wayne Agat

Genuine care

“It makes me emotional when I try to explain what Pino, Bob,Martin and their teams have done for us. They literally held us up through what was the worst time in our lives. Their pr…”

Trudie Kinirons

Genuine care

“We couldn’t be more pleased with every aspect of this process – from initial contact through to meeting Pino, meeting the Surveyor, choosing a Contractor and working throug…”

Fire Claim, Preston

Dependable support

“We engaged Morgan Clark to help us with a Covid Business Interruption claim. Having been brushed off by our insurance broker Tony Clark agreed to review our policy to see if we had…”

Ian Duckett

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
Fire Claim – Gloucestershire

“Overall we were extremely satisfied with the service we received from your company.”

Barbara Salmon

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

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

Dependable support
Fire Claim – Coalville

“Overall could not fault anything… so well planned. Settlement exceeded my expectations.”

Mr & Mrs Robinson

Genuine care
Flood Claim – Winchester

“Friendly and sympathetic. Pleasant and efficient, I found Natalie especially pleasant and helpful.”

Mrs J. Cole

Weight lifted

“From first contact to the last contact with Martin & Sarah at Morgan Clarke it was professional yet friendly, they could not do enough. Every time they would keep me informed …”

Mr Kevin Skelley

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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Professional Memberships & Accreditations

Being part of professional bodies means you can rest assured that Morgan Clark deeply values producing work to the highest standard. Click or tap any of the logos to learn more about that accreditation.