The insurance claim process for landlords

This flowchart gives an outline to the insurance claim process explaining what you should expect to happen in the coming months. (You can click on the flowchart to bring up a larger image).

 

 

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

We will help you get tenants back into your property as quickly as possible, working to secure the best settlement under the terms of your policy

Why choose us

Resolving your claim as quickly as possible

With a dedicated team led by your Morgan Clark Loss Assessor, we’ll drive the progression of your claim and oversee the restoration of your property with professional care.

Equal representation at every stage

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.

Helping you secure your full settlement

Drawing on extensive experience working with insurers and Loss Adjusters, Morgan Clark strives to secure clients the best possible settlement under their policy.

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.

Support to ease the stress

Managing a claim can be incredibly demanding. Our experienced Loss Assessors provide practical support to help make the process easier, relieve the stress and allow you to focus on getting your life back on track.

Navigating claims – clients share their stories

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Testimonial: ReCentre Health Ltd’s story, Flood Claim, London
London Business Interruption Claims

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to… read more

Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd
North Business Interruption Claims

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned… read more

Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire
Midlands Fire Claims

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating… read more

Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark
South Fire Claims

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make… read more

Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark
South Fire Claims

Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

When Jane had an explosion at her home she had no idea… read more

Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark
South Fire Claims

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

When Rob and Catriona returned home from work to find their house… read more

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.

What our customers are saying about us

Dependable support

“We would definite;y recommend Morgan Clark. The service they offered was excellent and we realise we could not have managed to do the job ourselves nearly as successfully.”

Lesley Horne

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
Fire Claim – Manchester

“Thank you Morgan Clark for everything that you have done for me. I would without any hesitation contact you again if needs be and recommend your services to anyone that needs them….”

S. Habib

Dependable support

“Qute simply I don’t think that the end result of a beautifully restored house would have been achieved without Morgan Clark’s Marc Ross handling our claim with the insu…”

Mr Stainer

Dependable support

“Mr Mathew Rawlingson was recommended by a client of his. I contacted him briefly some time ago and found him helpful and approachable. I phoned him on Monday 15th. I was agreeably …”

Antony Lentin

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

Dependable support

“Having Morgan Clarke represent us changed our lives during a very difficult time. Our loss assessor Martin Chapman and the team behind him worked tirelessly to make sure our claim …”

Shirley Hartnell

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

“First Class service”

Fire Claim, Ripon

Dependable support
Fire Claim – Redcar

“Excellent service all round. There was never a time we didn’t feel supported or that we weren’t important. Settlement exceeded my expectations.”

Emma Batey and Matthew Brown

Exceeded expectations

“This is the second time over the last several years we have used this service. On both occasions the support, guidance and outcome was exceptional. I would highly recommend that an…”

David

End-to-end management
Fire Claim – Leicester

“Ryan who was my point of contact kept me informed throughout the entire process as well as chasing insurance company repeatedly to ensure they were moving at the required pace. Set…”

Javed Hussain

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

Genuine care
Fire Claim – Bognor Regis

“We where guided through this process with kindness and totally clarity throughout. Settlement exceeded my expectations. We cannot recommend highly enough all parties concerned.”

Michael Webster

Dependable support

“Super efficient, responsive and professional service. Matt is an highly experienced, knowledgeable and trustworthy loss assessor. His straightforward advice and guidance throughout…”

Nicola Urquhart

Genuine care

“Excellent service from Morgan Clark throughout our whole claim process. We felt like they were understanding and empathetic of our situation. Excellent communication also throughou…”

Jay

Dependable support

“Guided me and helped me through my claim I’ve never had to make an insurance claim anything like this before. Mark and Natalie at Morgan Clark guided me through the process, expl…”

Ron Jarman

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

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

Dependable support

“Yes I would. They were professional, reassuring and kept me well informed through the whole experience,”

Trusted User

Dependable support
Flood Claim – Welshpool

“I could not recommend Morgan and Clark highly enough. Indeed I have already informed a colleague, who suffered a flood recently, of the outstanding service Morgan and Clark offer.”

Rebecca Midwinter

End-to-end management

“Absolutely excellent from start August 2023 . We would still be in the dark and struggling, they are still fighting for us! Flood”

Lynda & Ian Murray

Dependable support
Flood Claim – Nottingham

“Martin was very professional, friendly and reassuring. Easily contactable. Answered all our questions fully. We recommend this team. They were all excellent and we are very satisfi…”

Mr & Mrs Conway

Genuine care

““Paul made the whole process so much easier than it would have been. He was friendly, patient and incredibly knowledgeable. Settlement exceeded my expectations””

Kerry Davies

End-to-end management

“We suffered from fire damage on a rental property, which was through no fault of ourselves or tenants. Rob Godlonton contacted us and explained what help Morgan Clark could provide…”

Ian Reynolds

Genuine care

“Pino was fabulous. Even at 7pm he answered the phone.”

Yuen Ling Tse

End-to-end management

“Excellent service and and up to date information with the progress from start to finish. Special thanks to Martin Chapman, Sara Lohan .. Paul Read and Nathan Robertson for their …”

Eddie Masterson

Dependable support
Fire Claim – Middlesex

“We were happy with Morgan Clark. We felt that Sara who initially dealt with our claim was excellent”

Léonie Jill Wood

Dependable support

“Absolutely brilliant service from everyone involved in our house renovation “

“Thanks Mick Hindle”

Mick Hindle

Weight lifted

“Morgan Clark took what could have been a very stressful situation (a car drove into one of my rental properties,) and made is as seamless and stress-free as possible. I was very ha…”

Mike Samuels

End-to-end management
Flood Claim – Somerset

“From the beginning very helpful and supportive. We felt they were always on our side. We had no concerns. Settlement exceeded my expectations. Excellent”

Mr & Mrs Murray

Weight lifted

“I think on reflection the most important service you gave was to take the load from my shoulders.Dan and Denise smoothed out problems that I was unaware I had at the time.The traum…”

James Pinhorn

Dependable support
Fire Claim – Bingley

“I was very impressed with the overall standard of service. I was having a very stressful time before the fire and was very grateful that I didn’t have to deal with the house …”

Emma Clough

Dependable support
Impact Claim – Dorset

“Given the circumstances we could not ask for any more. Very helpful over a long period of very frustrating dealings with the Insurance Company and their Adjuster.”

P. Hillier

Dependable support
Fire Claim – Middlesex

“As you are no doubt aware, having a house fire is a very stressful and traumatic event. From that point onwards I would have been somwhat at a loss as to how to proceed. I am thus …”

Ms M. Soe

Dependable support
Fire Claim – Hampshire

“We are honestly happy to recommend Morgan Clarke to work on your behalf, if they perform for you as they did for us then you should not be disappointed.”

Richard and Dee Thorne

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

“Our Loss Assessor, Paul Taylor was superb, he kept us very well informed with the progress of the claim and was very supportive from start to finish. We were very impressed with th…”

David Alexander

Dependable support

“We were flooded on Sunday 9th Feb 2020 due to Storm Ciara. We contacted Morgan Clark to act for us with our claim. In spite of lockdown due to Covid-19 they dealt with the claim ve…”

Vivien Cowgill

Dependable support

“A very supportive and professional company, that is very effective and skilled at dealing and negotiating with Insurance Companies to get the best outcome from the policy on behalf…”

Henry Raison

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

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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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.