Blog Management Levels: Senior Management

Phil Morgan

Phil Morgan began his career as a Chartered Engineer in the oil industry. With a desire for a new challenge, several years later Phil set up his own construction contracting company, which he built up and sold after 15 successful years. Phil then joined forces with Tony Clark to set up Morgan Clark in 1999, together building the company up to become national and the leading UK firm of Loss Assessors.

In 2010 Phil set himself another challenge of setting up The Morgan Clark Foundation, initially building a school for children in the North Bank of Gambia when their school was destroyed by floodwaters. The Foundation is Morgan Clark’s charity and Phil is the Founder and Chairman, working to improve education & maternity care in The Gambia.

Phil is a member of The Institute of Public Loss Assessors and in 2019 Morgan Clark joined The British Insurance Brokers’ Association (BIBA) as an Associate member.

As a company, Morgan Clark strives to offer clients a service well beyond their expectations. They are given a questionnaire at completion to reflect and feedback to us about the service they received from our staff and all the contractors involved in their reinstatement. We take enormous pride in reading the feedback we receive from clients and take immediate action if ever an issue is raised both throughout a claim or at the feedback stage. This approach has served us well over the years and I have no doubt will continue to do so for many more.


Industry spokesperson

Phil has more than 20 years’ experience in the insurance industry and during that time has contributed to many mainstream media outlets including The GuardianThe Daily MailThis is Money, The Sunday Times, and the Sky News Network. Phil has also written for a number of industry-leading publications including Insurance PostInsurance BusinessMorning AdvertiserDentistry Online and BIBA.

What our clients say, in their own words…

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

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to…
Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned…
Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating…
Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make…
Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

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

When Jane had an explosion at her home she had no idea…
Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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

Why choose us

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

See all of our reviews on

The professional service provided. We were kept up to date at every step and they returned the home to us ahead of schedule

Grant Smith

We would definitely recommend them again. They explain what was going to happen and how long it should take. They were there when we had questions and always answered the same day.</…

Hazel & chris Gibbons

Morgan Clark helped me immensely after a fire at my house,
i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everythi…

Eddie Masterson

Escape Of Water Claim – Hitchin

This has been a very difficult and stressful period for us. Until MC took over, we were ignored and felt powerless by Davies. We just didn’t trust them based on their past beh…

S. Sira

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 property …

Pat and Frank Wharton

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 r…

Bilal Yusuf

Fire Claim – Ilford

Great service and clients needs were always met with good communication throughout the whole process. Great team, A+++++++++

Mr Shak

Absolutely amazing company to deal with so consistent. Always sending updates nothing too much an outstanding professional company. Definitely would give them a call again.

Mrs Maria Abbott

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 in…

Julian Evans

Morgan Clarke dealt my claim very fast and right way. It was too easy to handle with them. I was updated very often for each and every move. They are experienced in handling the clai…

Thirunavukkarasu Kulandaisamy

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…

Annette Goldsmith

Fire Claim – Surbiton

I have felt very supported from the beginning of my claim by everyone while the hard work was done for me. Really grateful and zero concerns. Really quick at replying to any emails I…

Catherine King

From initial contact to the successful conclusion, the process was explained step by step. Regular contact was maintained throughout with weekly updates. A thoroughly professional jo…

Peter Brennan

Fire Claim – London

This was my first experience of such a house fire and insurance claim and I was delighted to have Morgan Clark handle everything, taking do much pressure and anxiety away from me. Th…

Margaret Magee

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, …

Ron Jarman

I was contacted by Morgan Clark after a serious house fire. I appointed them to manage my claim and was very pleased with the service. They handled every aspect of the process with…

Edward Faherty

Escape Of Water Claim – Cheltenham

Very helpful at all stages. Settlement exceeded my expectations

A. Phelan

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 the …

David Alexander

We are so pleased we appointed Tony Clark of Morgan Clark to handle our insurance claim for us. He was so knowledgeable and professional in all respects in his dealing with us and …

Lyn Armitage

Without them I would have been totally out of my depth. Everything was arranged and any correspondence relating to the property and relevant meetings were in place They supplied all …

Mrs Pauline Ducker

Tony Clark

Tony Clark has spent his entire career in the Loss Assessing industry. Beginning in 1989, Tony joined Salmon Adams Hilton as a Loss Assessor. The role saw him dealing with all manner of losses throughout the UK, Tony became the company’s trainer and passed on his expertise to other Assessors. Tony worked his way up to becoming a Director and left Salmon Adams Hilton after 10 years to set up Morgan Clark with Phil Morgan. Tony still actively leads the company today and is involved in claims with our teams around the country. Tony is a member of the Chartered Institute of Loss Adjusters and now has over 30 years’ experience working in the claims arena. Tony also has experience in putting together schedules for claim quantum for solicitors (buildings and contents), to be used in negotiations for litigation.

“Often new clients are in a very heightened state of distress in the initial days. It is our job to offer them the reassurance, time and support they need to come to terms with the situation they find themselves in. From day one, the Morgan Clark team work tirelessly to make sure their client receives the very best outcome from their insurance claim. To see the difference our efforts make to the client is incredibly rewarding.”


What our clients say, in their own words…

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

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to…
Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned…
Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating…
Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make…
Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

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

When Jane had an explosion at her home she had no idea…
Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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

Why choose us

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

See all of our reviews on

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 str…

Mark Billen

Storm Claim – Cheltenham

David proved very helpful and was professional yet friendly at all times. It was David who took control of the situation and got things moving for us.

Susan Naydorf

Fire Claim – Shropshire

Ryan was very professional and helpful from the very beginning .

Paul Aston

From first contact to the last contact with Martin & Sarah at Morgan Clarke it was professional yet friendly, they could not do enough. Every time they would keep me informed an…

Mr Kevin Skelley

I had the privilege of instructing Morgan Clark after a devastating fire at one of my rented properties, and I must say, they were a true lifesaver. Ryan, in particular, stood out fo…

Matthew Lewis

First class service, everyone very knowledgable and easily worth the fees. Thank you team, great job.

Trusted User

Fire Claim – Stewkley, Bedfordshire

Sara and Denise sorted it all out – it was a great relief not to have to get involved. As pensioners and with my husband being diagnosed with terminal stomach cancer shortly a…

Enid and Bruce Moulder

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 with …

Mr & Mrs Mclean – L.U.V property Ltd

Morgan Clarke represented me in dealing with my insurance company. They also recommended an excellent surveyor. Both worked together making an excellent team.
I have dealt with…

C Mather

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 su…

Antony Lentin

Highly recommend – a must have on a major house insurance case
They took the administrative burden off us as much as possible during a very stressful period after floodin…

Lisa Hunt

Morgan Clark helped me immensely after a fire at my house,
i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everythi…

Eddie Masterson

Fire Claim – Coventry

I have no complaints or issues to raise with the service provided, you have been brilliant! Ryan has been a tremendous help throughout the whole claim. He was always on hand to answe…

H. Aujla

We are both pensioners in our 70’s. Eight years ago we let our family home to supplement our pensions. Unfortunately, there was a fire incident in the kitchen. The occupiers were o…

Mr Choudhary

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

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

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 would h…

W. Stubbings

Hello, after having a small kitchen Fire Pino and Sarah were appointed as our Loss Assessors.
Could have not been more happy with there performance

Jc

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 aw…

Rebecca Bond

A very professional company who transformed our nightmare situation when a relative’s house was seriously damaged by fire into a pleasure. They managed all aspects of the house…

Graham Pooley

Matt Rawlingson

Matt has been handling insurance claims for over 30 years. He now has specific responsibility for managing the domestic and commercial claims team in the south of England.

Unless people have an experienced professional in their corner they routinely won’t get everything they are entitled to. Making a large claim without a Loss Assessor on your side, is like jumping into a swimming pool and expecting to learn to swim. You might be okay, however you’ll only find out you are not when it’s too late.


Customer feedback

Matt was worth his weight in gold. He liaised and negotiated with the insurance company on our behalf and secured the best outcome for us. Matt and Denise were always available by email and the responses were always received in a timely manner.

J Singh, Essex

 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 insurance company and dealt with the entire process incredibly well.

Mr Boyd, Watford

Matt has been a pleasure to work with. I am an insurance broker, albeit specialising in Marine. I understood Matt and I liked his approach. He was prompt, efficient and accurate. Above all I engaged Morgan Clark because I wanted my interests protected and my opportunities maximised. Matt delivered.

Mr Roberts, London

What our clients say, in their own words…

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

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to…
Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned…
Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating…
Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make…
Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

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

When Jane had an explosion at her home she had no idea…
Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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

Why choose us

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

See all of our reviews on
Flood Claim – Essex

Matt was worth his weight in gold. He liaised and negotiated with the insurance company on our behalf and secured the best outcome for us. The overall service we received from Morga…

J. Singh

Fire Claim – Droitwich

Excellent service from beginning to end very informative. 5 star service through out

T. Priddey

We cannot recommend Morgan Clark highly enough, the service they provide in often devastating circumstances is absolutely first class. When we encountered resistance from our insurer…

Paul Burns

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…

Annette Goldsmith

Thank you Morgan Clark for your excellent service since January 2022
I never expected to be in this situation with fire damage property, I was devastated. I didn’t know what …

Shaun Shafiq

They took the hassle out of our insurance claim for a total fire destruction of a rental property. From the day after the fire they were there, dealing with the insurance company, lo…

Ian Bamforth

Fire Claim – Coventry

Overall, very very happy with the decision to ask Morgan Clark to carry out the task of dealing with my claim. I wouldn’t have been able to see this through on my own – …

Iqbal Singh Kunner

Superb from start to finish. Really helped through the process . Took away the anxiety i had. Brilliant every step of the way.

Mr Richard Robinson

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

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 cri…

Mr & Mrs Doherty

Fire Claim – Swanley

Without Gilbert we would not have been able to get through this traumatic experience. His advice and help has been immeasurable. We cannot thank him enough.

Peter Hammond

Fire Claim – Merseside

Mr Chapman handled my case so professionally yet with respect and sensitivity! He couldn’t have done it better!

Mohsen Nikrooyan

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 mor…

G. Yates

Morgan Clark helped me immensely after a fire at my house,
i was introduced to Martin Chapman at the start and he help me through a very difficult time in my life till everythi…

Eddie Masterson

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

Flood Claim – Winchester

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

Mrs J. Cole

Malicious Damage – Lancashire

Honestly, I have no negative feedback, only positive. It is so unusual nowadays to deal with such a professional, honest and dedicated group of people. Moreover, it wasn’t just one …

Fiona Glen

Fire Claim – Somerset

Following the fire I felt very anxious how I would be able to manage the restoration. My son arranged Morgan Clark following a visit to the site by a representative. I was not aware …

C. Haines

Fire Claim – Gwynedd

We were extremely satisfied with the service we received and would highly recommend Morgan Clark to deliver a high level of customer care in what can be a fraught and difficult time,…

Mr A. A Kujore/Ms G M Roberts

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

Trusted User

Jason Biggs

Jason Biggs joined Morgan Clark in 2025 as our Finance and HR Manager, based at the Chelmsford office. He plays a key role in budgeting, financial reporting, and strategic planning, working closely with all departments to drive financial transparency and efficiency”

Jason is committed to ensuring that Morgan Clark remains financially strong and efficient, supporting the business as it continues to grow and deliver outstanding service to clients


What our clients say, in their own words…

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

ReCentre Health Ltd’s story, Flood Claim, London

After a severe leak caused major water damage, ReCentre Health turned to…
Testimonial: Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Flood Claim Management – How Morgan Clark Helped Restore Stoneworld Ltd

Following a major flood that destroyed vital stock and equipment Sharma turned…
Testimonial: How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

How Morgan Clark Assisted with clients Fire Insurance Claim in Derbyshire

Ted and Wendy recall their experience when a firework caused a devastating…
Testimonial: Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Efficient Management of Rental Property Fire Insurance Claim by Morgan Clark

Mrs Evans talks through her experience as a landlord having to make…
Testimonial: Expert Management of House Fire Insurance Claim in Devon by Morgan Clark

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

When Jane had an explosion at her home she had no idea…
Testimonial: Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

Successful Resolution of Suffolk Home Fire Claim by Morgan Clark

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

Why choose us

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

See all of our reviews on

Absolutely brilliant service from everyone involved in our house renovation

Thanks Mick Hindle

Mick Hindle

Fire Claim – Leyland

I was glad that we appointed Morgan Clarke as we had the support of a credible business behind us and fighting our cause at a stressful time. The companies you liaised with have all …

Michael Calvert

Fire Claim – Swanley

Without Gilbert we would not have been able to get through this traumatic experience. His advice and help has been immeasurable. We cannot thank him enough.

Peter Hammond

I can’t recommend Morgan Clark enough . I was in total despair when my insurance company initially declined our genuine claim literally weeks after moving into our new home . Thei…

Wendy Stubbings

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 Develo…

Fensley Chambers

Professional service from experts in their field, highly recommended.

Iain Mack

Fire Claim – Droitwich

Excellent service from beginning to end very informative. 5 star service through out

T. Priddey

Flood Claim – Exeter

David very patiently answered our technical queries and we had complete confidence in his advice.

K. Vickers

Fire Claim – Shropshire

Ryan was very professional and helpful from the very beginning .

Paul Aston

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 ex…

Eddie Masterson

Fire Claim – Leeds

We were very happy with everything. We felt completely looked after by Martin Chapman and that we could 100% trust him. Got the right builder and made it stress free for my family. S…

Philip Howard

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 MC …

A. Parker

I originally filed a claim with my insurance company for business interruption due to covid closures. For 9 months of closure they came back to me with a settlement of £200.

Stacey Fitchett

Couldn’t fault anything
Really don’t know what, we would have done without them they took the stress, from everything to do with insurance claim all our questions w…

Linda French

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, r…

Vivek Singh

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

Fire Claim – Cumbria

We had a straight forward and stress free experience dealing with Morgan Clark. Between Robert and Pino they kept us informed each step of the way and gave us good advice when needed…

P. Corkhill

We engaged Morgan Clark to help us with a Covid Business Interruption claim.
Having been brushed off by our insurance broker Tony Clark agreed to review our policy to see if we…

Ian Duckett

Escape Of Water Claim – Nottingham

Mr Paul Taylor was extremely professional. He looked after my interest and ensured that I got a fair deal. He took the stress out of navigating an unfamiliar system on my own. Withou…

Dr M. Rathi

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 gr…

Ms M. Soe