Insurance claim taking too long? We can help

Filing an insurance claim after damage to your home or business can be a stressful experience. If you find yourself waiting weeks or even months for a resolution, you’re not alone. There are several reasons why property insurance claims can take longer than expected to settle.

Common reasons for delayed insurance claim settlements

Here are some issues we often encounter:

• High volume of claims: After widespread incidents such as flooding or severe storms, insurers receive a surge of claims, overwhelming Loss Adjusters and leading to delays.
• Complex damage assessments & documentation delays: Extensive or hidden damage may require multiple inspections and specialist reports. Additionally, missing or incomplete documentation, such as proof of ownership or repair estimates, can slow down the process. 
• Disputes over policy coverage: Insurers may question whether certain damages are covered under your policy, leading to lengthy negotiations and extended processing times.
• Insurance company inefficiencies: Loss Adjusters may take too long to assess damage, insurers may have poor communication, and some companies may intentionally delay settlements to encourage lower payouts.
• Third-party involvement & liability issues: If liability is unclear or multiple parties (e.g. landlords, tenants, mortgage lenders) are involved, additional legal and administrative steps can further prolong the process.
  
  If you’re unsure about the role of a Loss Adjuster or need more clarity on how they operate, you can find more details in our guide: Loss Adjusters: Your Questions Answered. This page addresses frequently asked questions and provides insights into what to expect during the claims process.

How Morgan Clark can help?

While there are many reasons why a claim can be delayed, it doesn’t make it any less frustrating when it happens to you. That’s when having a Loss Assessor on your side can help.

At Morgan Clark, we’ve helped thousands of homeowners, business owners and landlords resolve their claims more quickly and receive the fair settlement they deserve. Our expertise in navigating the complex world of insurance claims gives us an edge that translates to better outcomes for our clients.

Here’s how we can help:

• Independent valuation: We provide accurate and impartial assessments of the damage, ensuring that no aspect is overlooked.
• Expert negotiation: Our knowledge of insurance policies and claims processes allows us to negotiate effectively with Loss Adjusters on your behalf.
• Clear communication: We keep you informed every step of the way, providing regular updates and explaining the process clearly.
• Maximising your claim: Our goal is to secure the maximum settlement possible, so you can focus on rebuilding your home or business.
  

We will help you get back into your property as quickly as possible, ensuring you receive the full settlement you’re entitled to.

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Why early involvement matters

By contacting us early, you reduce the risk of mistakes that could delay or limit your claim. The sooner we’re involved, the better your chances of receiving the full settlement you’re entitled to, and the highest possible standard of workmanship.

As the case study below illustrates, by engaging a Loss Assessor, you’re taking control of the claims process and increasing your chances of a fair outcome. When the Bakers’ home was flooded for the second time, they knew they faced months of disruption, unless they acted fast. By turning to Morgan Clark, they were able to secure a full settlement for alternative accommodation, repairs, and lost belongings. Thanks to our swift and effective handling of their claim, the Bakers moved back into their home far sooner than their neighbours, who endured a 12-month wait. Read the case study..