How to use your own Loss Adjuster

If you would like to use your own Loss Adjuster to represent your interests throughout an insurance claim, the first thing you should know is that the term for a Loss Adjuster who works for the policyholder (you), is a ‘Loss Assessor’.

Morgan Clark are the UK’s leading firm of Loss Assessors and as leaders in the industry, we offer the public a free telephone consultation service. You are welcome to call us for expert advice about your insurance claim and your current position, with no obligation. If you then choose to use us as your Loss Assessor (or ‘independent Loss Adjuster’) we will explain the process to you in detail and will liaise with your insurance company on your behalf.

Some people can be concerned what their insurance company will think if they appoint their own Loss Assessor, but using a Loss Assessor is commonplace these days, particularly on larger claims. If you have this concern, please feel free to call us and we will put your mind at rest.

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.
  • Resolve 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.

Dan Norris, Loss Assessor

10+ years' experience

Speak to an expert, like Dan, who will fight for everything you're entitled to

Free FCA Regulated Support

Your claim resolved as quickly as possible

Experts negotiating on your behalf can expedite the process significantly.

Equal representation at every stage

Never feel outnumbered – your dedicated Loss Assessor works exclusively for you.

Secure your full settlement

We focus negotiations on achieving the best possible settlement for you.

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. Read more in Loss Adjusters: Your Questions Answered.

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.

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.

What our customers are saying about us

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

Dependable support

“They were very helpful through the process .,, you can leave everything to them .,, they will guide you through”

Mr Maddi

Exceeded expectations

“Professional, informative, exceeded our expectations. Martin Chapman & his team were outstanding in there knowledge & advice.”

Gaynor Riley

Dependable support
Escape Of Water Claim – East Sussex

“I don’t have enough words to express the overall standard of service we received as they seem inadequate. Without finding your company on line I honestly don’t know what we wou…”

W. Stubbings

Weight lifted

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Roger Vince

Weight lifted

“I recommend this company to anyone who has suffered a loss and wishes to claim on their insurance regardless of the circumstances. They offer a comprehensive service that removes t…”

Mr Kieran Phelan

Weight lifted

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Javed Hussain

Dependable support

“I was a little dubious about using a loss assessor – I’m good with a spreadsheet and can argue a case well. However, insurance companies are known to be less than fair …”

Julian Evans

Dependable support
Explosion Claim – Hampton

“Your advice was invaluable and you took a lot of work off our plate.”

Colin Deer – Chase Buchanan

End-to-end management

“I was a bit sceptical about signing up with Morgan Clark at first, as I wasn’t aware companies like these existed. However, after being explained what Morgan Clark did and how th…”

Mr Malik

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Escape Of Water Claim – Stoke on trent

“Having worked with Martin before, I knew I was in safe hands. He is always extremely professional, very helpful and knowledgeable.”

K. Morse

End-to-end management

“Dealing with a large water leak claim I cannot fault the excellent service and advice that I received from Marc Ross at Morgan Clark Marc was always available and responsive to my …”

Mr Georgiou

Genuine care

“We’ve received superb service from my very first contact right through to completion and sign off of the claim and repairs. They came to our rescue at a time of utter crisis,…”

Mr & Mrs Doherty

End-to-end management
Fire Claim – Portsmouth

“Cannot be faulted in any area as far as we were concerned. Superb, effective and supportive throughout the process.”

Mr H. Raison

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

“Professional from start to finish. Kept us informed throughout and dealt with all queries promptly. Dealt with all aspects of the major project taking some of the stress from us; i…”

Nicola

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Fire Claim – Gloucestershire

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

Barbara Salmon

Dependable support

“Morgan Clark really helped me with a settlement that was very challenging and made a very distressing situation as easy as possible. Communication was great, my loss assessor Marti…”

Vikki Cornforth

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Fire Claim – Rochdale, Lancshire

“I was extremely sceptical of this sort of service, “ambulance/fire engine chasers”, but I’m really glad I gave Robert some time on the morning of the fire. One of…”

Danny Knott

Dependable support

“Extremely responsive and tactful with queries. Efficient management of a complex repair project involving multiple parties”

Coastal Estate Management Ltd

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Fire Claim – Macclesfield

“Overall the service from all those we dealt with in restoring this fire ridden property were highly professional and, at times, imaginative in how they sought to bring this propert…”

Pat and Frank Wharton

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Fire Claim – Dorset

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

Paul Oakden

Dependable support

“Morgan and Clark were a very professional ,helpful, and knowledgeable they took all the stress of our claim away and exceeded our expections in all aspects. I would highly recommen…”

Phillip Gentle

Weight lifted

“Really happy I got them involved with my claim they took a lot of stress out of a very difficult situation where open from the beginning about what was involved and what to expect …”

James Sinclair

Exceeded expectations

“Pino from Morgan Clark went above and beyond to support us to settle our claim after a large escape of water affected most of our downstairs. Fantastic communication, always aware …”

Rebecca Bond

Dependable support
Flood Claim – Ipswich

“Generally very good. Contact was good and my calls, if unable to be taken immediately, were always promptly returned or an emailed reply was sent. I felt very respected by every…”

S. Andres

Exceeded expectations

“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…”

P F Webb

Dependable support
Escape Of Water Claim – Cheltenham

“Very helpful at all stages. Settlement exceeded my expectations”

A. Phelan

Dependable support

“Expert advice which ensured our claim was settled legitimately and comprehensively”

Mr and Mrs Goodbody

End-to-end management
Fire Claim – Hants

“Quite simply, Morgan Clark have seen us through something I don’t feel with could of handled on our own. We would not hesitate to recommend Morgan Clark to anyone. From the m…”

G. Yates

Dependable support

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Crighton Mather

End-to-end management

“I had a fire at my home around Christmas time causing extensive damage, you can image how stressful this is, what do I do, who do I contact, what’s going to happen now, will my i…”

Neil Kelly

Dependable support
Business Interruption Claim – Bournemouth

“Absolutely recommend David to anyone who is making a claim….could not be happier. Settlement exceeded my expectations.”

Dan Cattell

Genuine care
Fire Claim – Dewsbury

“Having never been through anything like this before it was re-assuring to know Pino was there to take the weight and liaise with my insurance company on my behalf. Great service wh…”

Victoria Gray

Dependable support

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John Wilshaw

Genuine care

“In August 2023 we suffered the loss of our bungalow to fire, needless to say one of the most traumatic events of our lfe. Within 24 hour we were contacted by representatives from L…”

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Weight lifted

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End-to-end management
Escape Of Water Claim – Hitchin

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S. Sira

End-to-end management

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Brigid Curtis

Dependable support
Fire Claim – Fflintshire

“We felt the assessors were ‘our team’ and tried to obtain the best result they could. Settlement exceeded my expectations.”

Christopher Hetherington

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