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.
Navigating claims – clients share their stories
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ReCentre Health Ltd’s story, Flood Claim, London
After a severe leak caused major water damage, ReCentre Health turned to…
Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
Following a major flood that destroyed vital stock and equipment Sharma turned…
How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire
Ted and Wendy recall their experience when a firework caused a devastating…
Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark
Mrs Evans talks through her experience as a landlord having to make…
Expert Management of House Fire Insurance Claim in Devon by Morgan Clark
When Jane had an explosion at her home she had no idea…
Successful Resolution of Suffolk Home Fire Claim by Morgan Clark
When Rob and Catriona returned home from work to find their house…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.
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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The FCA regulates the financial services industry in the UK, this means:
- Your money is protected – FCA rules ensure your claim is handled with safeguards that protect your interests.
- You’re treated fairly – strict standards and codes of conduct mean you’re never misled or taken advantage of.
- You can trust the process – only authorised firms can legally manage claims, giving you confidence in the outcome.
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.
Professional Memberships
