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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.

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

Stage 1
		Notify the insurance company.
		Emergency contractors need to make your home safe i.e. switching off utilities and boarding up windows.
		Find emergency accommodation, such as a hotel, family or friend's house.
		Meet with the Loss Adjuster to discuss your claim and policy coverage.
		Following your meeting, the Loss Adjuster's initial report will be submitted to the insurer.
Stage 2
		A restoration company will be appointed to carry out initial clean up works.
		A Chartered Surveyor should be appointed to your claim. To check their credentials, look for them on the RICs register online: www.rics.org/uk.
		Find suitable long-term accommodation. There are many options available - please ask us for details.
		Damaged contents should be listed and priced to submit as your contents claim. Photographic evidence and receipts are useful.
Stage 3
		Contents and buildings claim negotiations with the Loss Adjuster.
		Once the Surveyor's building works have been agreed, contractors will tender to carry out the rebuild. You have the final say on who is appointed.
		Once the contents claim has been agreed you can opt for a cash settlement, replacement of items, or a combination of both.
		You are free to move back home as soon as works have been completed.
		Claim Settlement

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

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Why choose us

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.

Resolving your claim as

quickly as possible

With a coordinated team led by your Morgan Clark Loss Assessor, your claim will run smoothly and efficiently and you will receive the settlement you are owed.

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?

Unrivalled industry

experience

Having dealt with insurance companies and Loss Adjusters since 1999, Morgan Clark’s team have established an industry-wide reputation as the UK’s leading
Loss Assessors.

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.

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Customer reviews

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.

Lord Alan Sugar