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  • Insurance Terms Glossary - Morgan Clark
    or damage or for legal liabilities they may have incurred An indemnity is paid when a claim is accepted under the terms of the insurance policy Is also used as the term when in the event of underinsurance the insurer pays for the replacement cost of damaged items less an allowance for wear tear and depreciation this is described as reverting to indemnity index linking Automatic adjustment of the sum insured to match a certain index for example the House Rebuilding Cost Index is used to calculate increases to the buildings sum insured insured peril An event which is covered by a specific policy for example fire is a standard insured peril in most policies loss adjuster A claims specialist employed by an insurance company to represent their interests by investigating and adjusting claims and reaching the most economical settlement loss assessor A claims specialist employed by the policyholder to protect their interests Will prepare present manage and negotiate the claim to achieve the maximum settlement under the terms of the insurance policy misrepresentation Meaning misstatement of facts this may entitle the insurer to declare your policy void or to refuse a claim non disclosure When an important but previously undisclosed fact comes to the insurer s attention which may entitle them to declare your policy void or refuse a claim policy liability An obligation to recompense the policyholder under the terms of the insurance contract proximate clause The primary or principal reason for or cause of a particular loss This is not necessarily the first or last cause in a chain of events quantum The actual amount the insurer pays as a settlement of a claim salvage Items which formed part of a claim and for which the policyholder has been paid These damaged lost or stolen items then become the property of the insurer who is then entitled to keep the full proceeds from any sale of these goods as long as the policy has received the full value of the goods as settlement of the claim subrogation Taking over responsibility from the policyholder for seeking recovery usually by the insurer The insurer is then responsible for any costs incurred in achieving recovery For example if a negligent motorist damages a garden wall and the household insurer meets the claim for the wall then this insurer has subrogated rights of recovery against the motorist sum insured The maximum amount payable to the policyholder under the terms of the policy third party Someone who is directly involved in the event which has led to a claim but is not a party to the policy For example if a plumber has caused an escape of water in a property they would be a third party in the context of the claim under insurance If the sum insured is less than the correct cost value of rebuilding or replacing the building or item insured underwriter The person who decided whether a risk is insurable and if so at what cost premium

    Original URL path: http://www.morganclark.co.uk/about-insurance-claims/insurance-terms-explained-2/ (2016-04-24)
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  • Flood information for business owners
    how to turn them off may come in handy when faced with rising flood water Checking www environment agency gov uk flood will help you keep an eye on the weather and the water levels of nearby rivers which might be liable to flooding The Environment Agency also has a system here where you can enter your postcode and your flood risk will be calculated if your postcode is not recognised then you can also enter your nearest town or river By combining practical steps with the implementation of a flood plan you can protect your home from the impact of a flood to the best of your ability print this section Emergency numbers and useful resources Prior to flooding Met Office www metoffice gov uk to check weather warnings Sign up to the Environment Agency s direct flood warning system here National Flood Forum http nationalfloodforum org uk for advice prior to or after flooding During a flood Fire and Rescue Police Ambulance Coastguard 999 if somebody s life is in danger National Gas Emergency 0800 111 999 if you are worried about or smell a gas Environment Agency Floodline 0845 988 1188 for a 24 hour helpline pre recorded advice NHS 111 for non emergency health concerns RSPCA 0300 1234 999 for injured or distressed animals Highways Agency www highways gov uk traffic information for traffic information Loss assessor Freephone 01978228646 01978228646 03334142749 03334142749 mobile alternate to manage your insurance claim After flooding Citizens Advice Bureau http www citizensadvice org uk for insurance claims advice Water company http www water org uk home our members list of companies to contact your local water authority County Council http www countycouncil org uk find your local county council for public health issues print this section Flood water and the clean up operation Despite plenty of warning planning and preparation there can be some instances where even this is not enough to prevent your business from flooding The clean up operation can be a long expensive and arduous task but by implementing an effective plan prior to the flood you can make this as hassle free as possible About flood water Flood water can be very unsanitary bringing silt dirt and sewage into your premises Keeping yourself healthy in these conditions can be difficult but there are simple things you can do to ensure you don t endanger yourself or expose yourself to anything harmful Never use an emergency generator inside the build up of carbon monoxide could leave you susceptible to carbon monoxide poisoning which is very serious and can cause fatalities Mould growth is not just an unsightly problem but also a danger to your health Mould spores like to grow on wet or damp surfaces and not only produce allergens but also irritants and mycotoxins which are toxic substances Inhalation of mould spores or even touching mould can cause allergic reactions such as sneezing runny nose red eyes and dermatitis and can bring on an asthma attack in someone who already suffers from asthma Removing water soaked porous materials will help prevent the spread of mould this includes getting rid of damp insulation carpets wallpaper and wooden panelling If your septic system has flooded it will need time to dry out which unfortunately means not using toilets sinks and dishwashers during this time Flood water can often flush out pests from river banks or sewers and into your business If you work in the catering or hospitality industry this can be a particular problem although rats can chew through cables and cause destruction in any business When clearing up after a flood be sure to block up holes and make sure that no food is left out Cleaning up after a flood When re entering the premises yourself Always take care when re entering the premises after a flood as the foundations and structure of the building may have shifted and may not be as stable as they once were Be sure to wear protective clothing and rubber gloves should you need to return to the premises as the flood water may have brought in sewage and dangerous debris such as broken glass or nails Whilst keeping the premises secure let it dry out by opening all doors and windows The following should be carried out by a professional restoration company The first thing to do after the flood water begins to subside is to start emergency pumping to get rid of all the water Pumping should be done fairly slowly from underground rooms like a basement If the pressure outside the walls is greater than the pressure inside the walls the walls and floor may crack and collapse If the gas electricity has been turned off then make sure it is safe to be switched back on A professional will be able to tell you if your power supplies are safe to use again If any mould has already formed remove it from hard surfaces with warm water and a damp cloth If mould has grown on anything other than a hard surface such as paper and carpet these items will need to be thrown away If mould has grown on structural wood it will most likely need to be removed by sanding make sure to vacuum clean well afterwards to get rid of the spores Once the mould has gone disinfect the area print this section List of items to have on hand before and during a flood Clear thinking can be difficult in a crisis situation Therefore we ve prepared a basic list of some items that you might like to have on hand before and during a flood Emergency checklist and list of important phone numbers as above Toolbox with a variety of different items such as screwdrivers spanners and allen keys Items to safeguard your business i e pallets to raise furniture or stock sandbags to prevent ingress of water etc Small amount of cash Hand sanitiser Wind up mobile phone charger Wind

    Original URL path: http://www.morganclark.co.uk/about-insurance-claims/flood-information-for-business-owners/ (2016-04-24)
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  • Insurance claim FAQs - Morgan Clark
    L G Lloyds of London Lloyds TSB LV MMA More Th n NatWest NFU New India Prudential RSA Saga Sterling Tesco Towergate UK General Zurich Loss Adjusters Amedeo Carmichaels Crawford Cunningham Lindsey Davies Ellis May GAB Robins GHG Halifax in house IAS Merlin MYI Quadra Questgates RSA in house UK Assistance Williams Pitt Woodgate Clark The insurance company has appointed a loss adjuster Why do I need Morgan Clark to prepare and manage my claim for me Loss adjusters are employed and paid by insurance companies to represent them and protect their interests not yours They will not prepare and present your claim for you this is your responsibility unless you employ a loss assessor to protect your interests As well as calculating your loss and compiling your claim Morgan Clark will negotiate with the loss adjuster on your behalf to achieve the highest possible settlement under the terms of your insurance policy What makes Morgan Clark different from other loss assessors We are different in many respects but especially in how we prioritise claims We treat all claims in the same way regardless of size small claims are not relegated to the bottom of the pile We appreciate how important your claim is to you and we provide continuous help support and guidance from start to finish We also deal with your insurance company and their loss adjuster professionally in a way many other loss assessors do not take We adopt a non confrontational approach which we believe achieves better results for you Our professional approach generates mutual respect which means we can deal more effectively with the insurer and settle claims more effectively We are committed to handling even the most difficult complex or contentious claims and we are not deterred by the excuses insurers can often use for rejecting or reducing claims Will my insurance broker help me with my claim If you arranged your insurance policy through a broker then yes they should be able to help you to some extent But many insurance brokers simply do not have the time resources or expertise to do this which is why so many brokers recommend Morgan Clark When should I call in professional help As soon as possible particularly as what you say or do at the beginning of a claim may have serious implications for the eventual outcome At Morgan Clark we prefer to work with you from the outset as this is when we can be most effective but it s never too late to call us in The insurance company has rejected my claim Can they do this Yes unfortunately in some circumstances they can An insurance policy is a contract or agreement between two parties So as one of those parties if the insurance company considers that you have not kept to your side of the bargain then they can deny a claim for example if they believe the claim is not covered by the policy or if they suspect fraud This doesn

    Original URL path: http://www.morganclark.co.uk/about-insurance-claims/faqs/ (2016-04-24)
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  • Loss Assessor Fees - Morgan Clark
    your side In most cases the fees we charge are more than offset by the increase in settlement we achieve It is common for a Loss Assessor to secure a 20 30 increase on an Insurance Company s settlement offer Financial Mail Morgan Clark is a leading independent firm of Loss Assessors with many years experience dealing with commercial claims We have worked with all of the major UK insurance companies on some of the most high profile commercial insurance claims As a result Morgan Clark are highly respected in the industry Without an Assessor advising you your claim could be significantly undervalued In recent years it has become standard practice for a business owner to be professionally represented on major claims In order to give you a detailed explanation about fees applicable to your claim type please call to speak to one of our commercial experts withno obligation We offer a free half an hour consultation during which you are welcome to ask our experts any questions relating to your insurance claim Our insurance claim experts are on hand to take your call between 8am and 8pm 7 days a week Following your consultation should you feel the need to use our professional loss assessing services we will work with you to build the team who will represent your best interests With Morgan Clark on your side you will have access to well respected experts in the industry including experienced Plant and Machinery Trade Contents and Stock and Business Interruption specialists It is common for a Loss Assessor to secure a 20 30 increase on an Insurance Company s settlement offer Financial Mail Morgan Clark has been successfully helping landlords manage their insurance claims since 1999 The insurance claims process is very time consuming handing over the day to

    Original URL path: http://www.morganclark.co.uk/fees/#wpcf7-f1054-o1 (2016-04-24)
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  • suspicious break in at power tools retail unit – £40,000 claim |
    theft had been planned by someone with inside knowledge The claim Mr Sur immediately contacted his insurance company and from the start realised he was facing a very difficult claim There were two very grey areas firstly that we d had an attempted burglary recently which we didn t tell them about and secondly that the alarm didn t go off We realised it wouldn t be straightforward And I just don t understand the small print of an insurance policy and was really worried that I would mess up my own claim Mr Sur spoke to colleagues in the power tool industry and many of them advised him to use a loss assessor to manage the claim He therefore spoke to the major loss assessors in the UK and afterwards decided to use Morgan Clark I was very impressed with the realistic approach they took They explained everything but also didn t promise success we both knew it was a difficult claim The results The insurance company was initially reluctant to accept liability In particular it argued that Mr Sur should have informed them about the previous attempted burglary as this would have led to them making recommendations for increasing security However Morgan Clark presented counter arguments and finally the claim was accepted almost in full with a small deduction for the salvage value of some recovered but damaged stolen tools According to Mr Sur We felt so much more confident because we had someone fighting our corner Morgan Clark understand insurance jargon and speak the same language as an insurance company Once they were on board we didn t have to do anything they took it all over and pursued the claim until it was agreed and settled Despite our initial worries it was a very happy ending

    Original URL path: http://www.morganclark.co.uk/customer-stories/theft-3/suspicious-break-in-at-power-tools-retail-unit-40000-claim/ (2016-04-24)
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  • Free half-hour consultation - Morgan Clark
    will give you a chance to get some valuable advice from one of our highly experienced loss assessors They will discuss with you What s happened to you and your current position The extent and limitations of the cover of your insurance policy Any endorsements and warranties in your insurance policy Your options for how your claim is settled For your free half hour consultation please call the number below between 8 00am and 6 00pm and one of our experienced assessors will be delighted to talk to you at no obligation Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Enquiry form Request a call back Please leave this field empty By the time Morgan Clark s representative had finished talking to us we thought thank goodness for that This set us on a course which turned the dreadful experience of the fire into one of the most positive and life affirming experiences we have had Mr Biggs West Midlands Read more Share this page Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial Fire insurance claims Flood insurance claims Burst pipes insurance claims

    Original URL path: http://www.morganclark.co.uk/contact-us/free-half-hour-consultation/#wpcf7-f1054-o1 (2016-04-24)
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  • Enquiry form - Morgan Clark
    insurance claims Fees Contact us Contact us Free half hour consultation Enquiry form Home Contact us Enquiry form Enquiry form Please fill in our enquiry form below We will be in touch with you as soon as possible Claim type Home insurance claim Business insurance claim Incident Fire Flood Burst Pipes Escapes of water Business interruption Other Please leave this field empty Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Free half hour consultation Request a call back Please leave this field empty Initially the insurer offered us peanuts and without Morgan Clark we wouldn t have go the settlement that was finally agreed Mrs Heron West Midlands Read more Share this page Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial Fire insurance claims Flood insurance claims Burst pipes insurance claims Other insurance claims Fire insurance claims Flood insurance claims Burst pipes insurance claims Other commercial claims About us About insurance claims Fees Contact us Latest advice from our blog Flood prevention the natural solution April 22 2016 We wrote in February about an imaginative flood prevention scheme in Oxfordshire aimed at protecting

    Original URL path: http://www.morganclark.co.uk/contact-us/enquiry-form/#wpcf7-f55-o1 (2016-04-24)
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  • Enquiry form - Morgan Clark
    us Free half hour consultation Enquiry form Home Contact us Enquiry form Enquiry form Please fill in our enquiry form below We will be in touch with you as soon as possible Claim type Home insurance claim Business insurance claim Incident Fire Flood Burst Pipes Escapes of water Business interruption Other Please leave this field empty Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Free half hour consultation Request a call back Please leave this field empty As soon as it happened again I was on the phone to Morgan Clark They did such a fantastic job last time and it s a godsend having them do it all for us again Mr Allen Carlisle Read more Share this page Morgan Clark Fire and Flood Insurance Claims Management Residential Commercial Fire insurance claims Flood insurance claims Burst pipes insurance claims Other insurance claims Fire insurance claims Flood insurance claims Burst pipes insurance claims Other commercial claims About us About insurance claims Fees Contact us Latest advice from our blog Flood prevention the natural solution April 22 2016 We wrote in February about an imaginative flood

    Original URL path: http://www.morganclark.co.uk/contact-us/enquiry-form/#wpcf7-f1054-o2 (2016-04-24)
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