This flowchart gives an outline to the insurance claim process explaining what you should expect to happen in the coming months.
For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.
Stage 1 | ||
 |  | Notify the insurance company. |
| | Emergency contractors need to make your property safe i.e. switching off utilities and boarding up windows. |
| | Meet with the Loss Adjuster to discuss your claim and policy coverage. Preparation is crucial and will impact the outcome of your claim. |
| | Following your meeting, the Loss Adjuster's initial report will be submitted to the insurer. |
| | A restoration company will be appointed to carry out initial clean up works. |
Stage 2 | ||
| | A Chartered Surveyor should be appointed to your claim. To check their credentials, look for them on the RICs register online: www.rics.org/uk. |
| | Calculation for an interim loss of rent payment should be submited to assist cashflow. |
| | If you have contents at the property, they should be listed and priced as part of your claim. |
| | Loss of rent and buildings plan negotiation with the Loss Adjuster. |
Stage 3 | ||
| | Once the Surveyor's building works have been agreed, contractors will tender to carry out to rebuild. You have the final |
| | Once the loss of rent claim has been agreed, you should receive the settlement payment. |
| | Your tenants are free to move back into the property as soon as building works have been completed. |
| | Claim Settlement |
For a more in depth explanation of the insurance claim process, please read one of our thorough insurance claim guides.
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.
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.
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?
Unrivalled industry
experience
Having dealt with insurance companies and Loss Adjusters since 1999, Morgan Clark’s team have established an industry-wide reputation as the UK’s leading
Loss Assessors.
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.
Despite all the assurances from both my broker and insurer that they had made me the best possible offer, you were still able to secure a settlement that was more than double the figures they had originally proposed. I had no idea bringing you on board would make such a big difference to the settlement.
I won’t hesitate to call you. Thanks again for the great service.
Lord Alan Sugar
