How to ensure you are being equally represented

A major concern many policyholders have when they need to make an insurance claim, is how to ensure they are equally represented throughout the insurance claim process. After all, it is often the case that people only ever have to make one major insurance claim in a lifetime, whereas the insurance company and their Loss Adjusters are experts in insurance contract small print and law. How can anyone expect to understand as much about making an insurance claim as an expert when they have little or no experience themselves?

This is where Morgan Clark can help. As the UK’s leading firm of Loss Assessors, who exclusively represent only the interests of the public, we offer a free helpline to anyone who is in need of advice from expert insurance claim specialists.

You might be unsure about certain wording in your insurance policy, you might be concerned about whether you can claim for a particular item, you might be worried you are under insured. Whatever you are unsure about, we can help guide you and offer you advice about the steps you should take to ensure you stay in control of your claim and receive the settlement you are entitled to.

Morgan Clark offers this no-obligation, expert insurance claim advice to the public free of any charge.

How can we help?

  • 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.
  • 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.

Call our free helpline for advice about your claim

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.

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.

What our customers are saying about us

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

Weight lifted
Fire Claim – Chorley

“From the Initial visit to completion date I have been able to contact all of the parties involved, they have all been very helpful, friendly and efficient and was so pleased that I…”

Fidelis

End-to-end management
Escape Of Water Claim – Saffron Walden

“I was reassured immediately by the original person who visited and it made me realise I had made a good decision using Morgan Clark immediately. (Dan is) An absolute legend. He has…”

Antony Ross

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

Exceeded expectations
Flood Claim – Doncaster

“Following flooding in November 2019 which affected my home, business and the entire village I realise how very fortunately I have been to have had my insurance claim handled by Mar…”

Pam Webb

Weight lifted

“The service offered by Morgan-Clark from all who dealt with my claim was first class. I achieved a far greater sum as a result of having my claim professionally handled. In particu…”

Mr Dan Cattell

Dependable support

“If you find yourself having to make an insurance claim, look no further your prayers will be answered by Morgan Clark I had a fire at a property i own some distance from my home. A…”

Sarah Crowe

Dependable support
Fire Claim – Spalding

“Dan was great. Dan did a fantastic job… I would definitely recommend MC… Settlement exceeded my expectations.”

William Ruddle

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

Dependable support
Fire Claim – Wiltshire

“I am just so grateful that Ian Carter came along to talk to me when I first went to see the fire damage. I felt then that I faced an ordeal, Morgan Clark turned it into an increasi…”

Catherine Fryett

Dependable support

“Morgan Clark handled my insurance claim following a flood on my property. there was extensive damage. They handled all details of the claim removing most of the hassle for me in wh…”

Dr William Gorman

Dependable support
Fire Claim – Hertfordshire

“As a property owner located in the USA, I could not imagine handling this claim without the expertise of Morgan Clark. They just made it so easy and low stress.”

Andrew Dougill

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

End-to-end management

“Morgan Clark have been excellent to deal with from the outset. Contact has been quick and the process well explained. I would recommend them.”

Mr Harradine

Dependable support

“Morgan Clark were absolutely great at keeping me informed and most importantly explaining the various aspects of the process. This was very much appreciated especially at such a di…”

Efemena Ikie

Weight lifted

“After experiencing a house fire that… After experiencing a house fire that turned my world upside down. Thank goodness for Morgan Clark. They took all the stress and emotional wo…”

Jane Ennis

Genuine care
Escape Of Water Claim – Goosnargh

“We received £35000 from water damaged in our kitchen, Pino claimed for things we wouldn’t even think of but he claims for everything which had been damaged down to a cup or towel…”

Katy Hollinghurst

End-to-end management

“Until I had a serious house fire in May 2019 I had no ideas that companies like Morgan Clark existed. But let me tell you when your world has fallen apart the last thing you need i…”

Robert Hirst

End-to-end management

“The service we received from Morgan Clark was absolutely outstanding from start to handover of the property. From Pino’s appointment as our representative with the insurance clai…”

Frank Wharton

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

Dependable support
Fire Claim – Essex

“We can’t express enough our gratitude for everyone involved in the rebuild of our house and dealing with the insurers. Everyone was friendly, professional and knowledgeable a…”

Ellie Hartland

Genuine care

“We were overwhelmed by a severe escape of water that seriously damaged our home. Morgan Clark provided professional help and reassurance at a difficult time greatly reducing the s…”

Mark Billen

Dependable support
Fire Claim – Hastings, East Sussex

“During this very traumatic, life changing experience we were extremely relieved to have instructed Morgan Clark to deal with the claim. Their help, knowledge and expertise was very…”

Catherine Wilson

Dependable support

“At first when dealing with a company like Morgan Clark, we were under the impression that we didn’t need them however after the hurdles that they jump through to get us our claim…”

Keith Poulton

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

Genuine care
Flood Claim – Winchester

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

Mrs J. Cole

Dependable support
Fire Claim – Middlesbrough

“I was impressed with the service i got from Morgan Clark and Martin who was dealing with my case. Very impressed”

Assad Butt

Dependable support
Fire Claim – West Bromwich

“Very pleased with Paul’s help, knowledge and professionalism in dealing with our claim. I would have been lost without his help, Paul explained and guided me through all the…”

Ishvar Patel

Dependable support
Fire Claim – Bournemouth

“Just excellent teamwork all round from my perspective, to get the job done in the best way possible. I have no negative comments to bring. Settlement exceeded my expectations.”

P. Macpherson

End-to-end management

“Can’t praise the team at Morgan Clark highly enough. Initially we met Dan who was so helpful the day after the fire when we were faced with a total loss & didn’t know wher…”

Debbie Bristow

Dependable support
Escape Of Water Claim – Lancashire

“Excellent service. First class. No negative feedback to give. Very personable and professional. Put me at ease during a very worrying time.”

Rebecca Bond

Dependable support
Fire Claim – Dorset

“It was absolutely amazing and second to none. 1st class work and communications. Settlement exceeded my expectations”

Paul Oakden

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

Weight lifted
Fire Claim – Ombersley

“With the added stress of Covid and restrictions I felt the claim was dealt with as swiftly as was possible. Never wanting to have a large accidental clam again, ever, I would use M…”

A. Parker

Dependable support
Fire Claim – Cheshire

“Morgan Clark were absolutely fantastic. Professional, responsive, exceeds expectations, handles all calls, concerns, issues. Rebuild of house exceeds original spec. You have no w…”

Eddie Watkins

Dependable support
Fire Claim – Bolton

“I have been grateful of the help given to me and guidance during this period of time of trauma when the house caught on fire. There was always someone to talk to about the any Deve…”

Fensley Chambers

Dependable support
Fire Claim – Kent

“Excellent service overall. I would strongly recommend Morgan Clark to anyone in a similar situation to us. It is invaluable to have the backing of people with experience to help yo…”

Joanna Friend

Dependable support

“Morgan Clark were able to help and support me through the entire process and provided an extremely professional service.”

Mr Dawney

Genuine care

“I just wanted to give a shoutout to Pino from Morgan Clark for his amazing help with my water escape insurance claim. The whole process was pretty tough, but Pino was always there,…”

Vivek Singh

Weight lifted

“Morgan Clark provided us with peace of mind and managed all aspects of the fire incident at our home with care and professionalism. We are so so grateful to Morgan Clark You are a …”

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