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  • Fire Insurance Claim Guide - Morgan Clark
    a recommendation on whether the insurer should accept liability and agree to pay your claim or not They will also decide whether the limits of your insurance policy are sufficient if not you face a problem with under insurance Step 7 Appointment of emergency contractors These should now be appointed to carry out any immediate emergency works This may include Salvaging and safely storing anything that isn t too badly damaged Securing and weather proofing the property for example covering the roof boarding up windows and doors scaffolding Checking for the presence of asbestos Making the property safe But remember your insurers may not agree to pay for this work until they are happy with your claim In the meantime it is still your responsibility to mitigate your loss and prevent injury to anyone You are entitled to appoint the contractors you want provided they are suitably qualified and their costs are reasonable You do not have to use your insurer s contractors Step 8 Appointment of qualified chartered surveyor He or she will assess the damage to your property and put together a detailed scope of works and specification for the re instatement of your home We would recommend you do not use a surveyor appointed by the insurance company or their loss adjuster You need to ensure they are truly independent and will work in your best interests Step 9 Contents claim You or your loss assessor will now start to prepare a claim for lost or damaged contents It is your responsibility to make this as detailed as possible with accurate replacement values Your policy will probably state that certain items such as clothes and bedding will be replaced on an indemnity basis in other words there will be a reduction for wear and tear on their value And if you claim for high specification items such as designer clothes or sophisticated electronic equipment you will need to provide proof of make model design etc if they are to accept the claim Contents claims can be settled by accepting replacement goods cash or a combination of the two Step 10 Emergency accommodation costs claim You or your loss assessor will now compile a claim for your initial costs for example those incurred for emergency accommodation in the wake of the fire plus any additional immediate costs you incurred as a direct result of the incident Step 11 Find long term temporary accommodation You will now need to find appropriate long term temporary accommodation for your family while your property is being restored If you have pets you may also have to find different long term accommodation for them You can choose to stay in either rented property with friends or family or in some instances if there is sufficient land available in a mobile home near your property Step 12 Negotiations with loss adjuster There should now be another meeting with the insurer s loss adjuster probably on site to discuss the entire claim including building specification

    Original URL path: http://www.morganclark.co.uk/guide-residential-fire.html (2016-04-24)
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  • Flood Insurance Claim Guide - Morgan Clark
    insurance policy are sufficient if not you face a problem with under insurance Step 7 Appointment of emergency contractors These should now be appointed to carry out any immediate emergency works This may include Salvaging and safely storing anything that isn t too badly damaged Stripping out all damaged materials such as carpets and curtains Removing plaster to a height of one metre above the waterline or in some cases higher if the flood water is deeper as well as floorboards and skirting boards Sanitising the property the floodwater called black water would inevitably have been contaminated creating a potentially severe health hazard Installing drying equipment Treating timbers to safeguard against rot Checking for the presence of asbestos Making the property safe But remember your insurers may not agree to pay for this work until they are happy with your claim In the meantime it is still your responsibility to mitigate your loss and prevent injury to anyone You are entitled to appoint the contractors you want provided they are suitably qualified and their costs are reasonable You do not have to use your insurer s contractors Step 8 Appointment of qualified chartered surveyor He or she will assess the damage to your property and put together a detailed scope of works and specification for the re instatement of your home We would recommend you do not use a surveyor appointed by the insurance company or their loss adjuster You need to ensure they are truly independent and will work in your best interests Step 9 Contents claim You or your loss assessor will now start to prepare a claim for lost or damaged contents It is your responsibility to make this as detailed as possible with accurate replacement values Your policy will probably state that certain items such as clothes and bedding will be replaced on an indemnity basis in other words there will be a reduction for wear and tear on their value And if you claim for high specification items such as designer clothes or sophisticated electronic equipment you will need to provide proof of make model design etc if they are to accept the claim Contents claims can be settled by accepting replacement goods cash or a combination of the two Step 10 Emergency accommodation costs claim You will now compile a claim for your initial costs for example those incurred for emergency accommodation in the wake of the incident plus any additional immediate costs you incurred as a direct result of the incident Step 11 Find long term temporary accommodation You will now need to find appropriate long term temporary accommodation for your family while your property is being restored If you have pets you may also have to find different long term accommodation for them You can choose to stay in either rented property with friends or family or in some instances if there is sufficient land available in a mobile home near your property Step 12 Negotiations with loss adjuster There should now

    Original URL path: http://www.morganclark.co.uk/guide-residential-flood.html (2016-04-24)
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  • Escape of Water Insurance Claim Guide - Morgan Clark
    make a recommendation on whether the insurer should accept liability and agree to pay your claim or not They will also decide whether the limits of your insurance policy are sufficient if not you face a problem with under insurance Step 7 Appointment of emergency contractors These will now be appointed to carry out any immediate emergency works This may include Salvaging and safely storing anything that isn t too badly damaged Stripping out all damaged materials such as carpets curtains plaster and ceilings Installing drying equipment Treating timbers to safeguard against rot Checking for the presence of asbestos Making the property safe But remember your insurers may not agree to pay for this work until they are happy with your claim In the meantime it is still your responsibility to mitigate your loss and prevent injury to anyone You are entitled to appoint the contractors you want provided they are suitably qualified and their costs are reasonable You do not have to use your insurer s contractors Step 8 Appointment of qualified chartered surveyor He or she will assess the damage to your property and put together a detailed scope of works and specification for the re instatement of your home We would recommend you do not use a surveyor appointed by the insurance company or their loss adjuster You need to ensure they are truly independent and will work in your best interests Step 9 Contents claim You or your loss assessor will now start to prepare a claim for lost or damaged contents It is your responsibility to make this as detailed as possible with accurate replacement values Your policy will probably state that certain items such as clothes and bedding will be replaced on an indemnity basis in other words there will be a reduction for wear and tear on their value And if you claim for high specification items such as designer clothes or sophisticated electronic equipment you will need to provide proof of make model design etc if they are to accept the claim Contents claims can be settled by accepting replacement goods cash or a combination of the two Step 10 Emergency accommodation costs claim You will now compile a claim for your initial costs for example those incurred for emergency accommodation in the wake of the incident plus any additional immediate costs you incurred as a direct result of the incident Step 11 Find long term temporary accommodation You will now need to find appropriate long term temporary accommodation for your family while your property is being restored If you have pets you may also have to find different long term accommodation for them You can choose to stay in either rented property with friends or family or in some instances if there is sufficient land available in a mobile home near your property Step 12 Negotiations with loss adjuster There should now be another meeting with the insurer s loss adjuster probably on site to discuss the entire claim including building

    Original URL path: http://www.morganclark.co.uk/guide-residential-escape-of-water.html (2016-04-24)
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  • Commercial Fire Insurance Claim Guide - Morgan Clark
    are reasonable You do not have to use your insurer s contractors Step 8 Proof of liability There will be an investigation into liability and the loss adjuster is likely to instruct forensic scientists to investigate the cause of the fire This will not only comprise physical examination of your premises the investigators are also likely to interview you and your staff They will also want to investigate whether you have fully complied with all of the policy terms and conditions and in particular with any warranties No liability will be accepted until this takes place and this process can sometimes take several months We would recommend you do not use a surveyor appointed by the insurance company or their loss adjuster You need to ensure they are truly independent and will work in your best interests Step 9 Loss adjuster s initial report Following the initial meeting the loss adjuster will submit a detailed report to the insurance company enabling their underwriters to decide whether or not to accept your claim This report will include The circumstances surrounding the fire A recommendation on whether the claim should be accepted in other words whether the insurer should accept liability and pay your claim A reserve figure based on what the loss adjuster believes the total value of the claim will be A view on whether the insurance cover is sufficient to cover the loss If it is not you face penalties for underinsurance It may take several months to reach this stage in the process Step 10 Mitigate your loss It is your responsibility to mitigate your loss and to do everything you can to resume trading as quickly as possible You cannot wait until the insurance company has accepted the claim and released funds before you do anything And impecuniosity lack of funds to cover your costs will not be considered a valid excuse by your insurers you are expected to find the funds to support your business at this stage Additional losses that arise from delays in re establishing the business will not be covered by the policy So while investigations into liability proceed the onus is on you to do whatever is necessary to ensure the survival and prompt re establishment of your business if you don t and your business fails in the interim you are unlikely to receive an insurance settlement to cover your full losses Step 11 Look for alternative premises or ways of working You must continue to do everything you can to keep trading You have a number of different options to keep your business trading These include Moving your operations into temporary premises while the re instatement work takes place Sub contracting existing orders to another company to maintain turnover and protect customer relationships Moving activities into areas of your business located elsewhere if applicable Step 12 Interim claim You or your loss assessor will now submit an interim claim for material damage and business interruption This should include Funds needed

    Original URL path: http://www.morganclark.co.uk/guide-commercial-fire.html (2016-04-24)
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  • Commercial Flood Insurance Claim Guide - Morgan Clark
    and negotiations An initial fact finding meeting will take place immediately probably at your business premises The loss adjuster will assess the damage as well as asking you pertinent and searching questions about your loss including your company s financial status at the time of the loss policy conditions and disclosures your claims history and the level of cover i e whether you adequately insured or under insured Step 8 Loss adjuster s initial report Following the initial meeting the loss adjuster will submit a detailed report to the insurance company enabling their underwriters to decide whether or not to accept your claim This report will include The circumstances surrounding the flood A recommendation on whether the claim should be accepted in other words whether the insurer should accept liability and pay your claim A reserve figure based on what the loss adjuster believes the total value of the claim will be A view on whether the insurance cover is sufficient to cover the loss If it is not you face penalties for underinsurance It may take several months to reach this stage in the process Step 9 Mitigate your loss It is your responsibility to mitigate your loss and to do everything you can to resume trading as quickly as possible You cannot wait until the insurance company has accepted the claim and released funds before you do anything And impecuniosity lack of funds to cover your costs will not be considered a valid excuse by your insurers you are expected to find the funds to support your business at this stage Additional losses that arise from delays in re establishing the business will not be covered by the policy So while investigations into liability proceed the onus is on you to do whatever is necessary to ensure the survival and prompt re establishment of your business if you don t and your business fails in the interim you are unlikely to receive an insurance settlement to cover your full losses Step 10 Look for alternative premises or ways of working You must continue to do everything you can to keep trading You have a number of different options to keep your business trading These include Moving your operations into temporary premises while the re instatement work takes place Sub contracting existing orders to another company to maintain turnover and protect customer relationships Moving activities into areas of your business located elsewhere if applicable Step 11 Interim claim You or your loss assessor will now submit an interim claim for material damage and business interruption This should include Funds needed to resume or continue trading for example to replace damaged equipment or pay for alternative premises Calculation for your loss of gross profit which will generate funding to enable you to deal with ongoing costs such as staff wages Urgent interim funding for increased costs of working such as temporary premises and sub contracting costs Step 12 Decision on liability and sufficiency of cover This should now be made

    Original URL path: http://www.morganclark.co.uk/guide-commercial-flood.html (2016-04-24)
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  • Commercial Escape of Water Insurance Claim Guide - Morgan Clark
    investigate the cause of the water ingress This will not only comprise physical examination of your premises the investigators are also likely to interview you and your staff They will also want to investigate whether you have fully complied with all of the policy terms and conditions and in particular any warranties No liability will be accepted until this takes place and this process can take several months We would recommend you do not use a surveyor appointed by the insurance company or their loss adjuster You need to ensure they are truly independent and will work in your best interests Step 9 Loss adjuster s initial report Following the initial meeting and the forensic investigation the loss adjuster will submit a detailed report to the insurance company enabling their underwriters to decide whether or not to accept your claim This report will include The circumstances surrounding the escape of water A recommendation on whether the claim should be accepted in other words whether the insurer should accept liability and pay your claim A reserve figure based on what the loss adjuster believes the total value of the claim will be A view on whether the insurance cover is sufficient to cover the loss If it is not you face penalties for underinsurance It may take several months to reach this stage in the process Step 10 Mitigate your loss It is your responsibility to mitigate your loss and to do everything you can to resume trading as quickly as possible You cannot wait until the insurance company has accepted the claim and released funds before you do anything And impecuniosity lack of funds to cover your costs will not be considered a valid excuse by your insurers you are expected to find the funds to support your business at this stage Additional losses that arise from delays in re establishing the business will not be covered by the policy So while investigations into liability proceed the onus is on you to do whatever is necessary to ensure the survival and prompt re establishment of your business if you don t and your business fails in the interim you are unlikely to receive an insurance settlement to cover your full losses Step 11 Look for alternative premises or ways of working You must continue to do everything you can to keep trading You have a number of different options to keep your business trading These include Moving your operations into temporary premises while the re instatement work takes place Sub contracting existing orders to another company to maintain turnover and protect customer relationships Moving activities into areas of your business located elsewhere if applicable Step 12 Interim claim You or your loss assessor will now submit an interim claim for material damage and business interruption This should include Funds needed to resume or continue trading for example to replace damaged equipment or pay for alternative premises Calculation for your loss of gross profit which will generate funding to enable you

    Original URL path: http://www.morganclark.co.uk/guide-commercial-escape-of-water.html (2016-04-24)
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  • Common Questions
    why a Chartered Surveyor should not already have been appointed If this is not the case you should take this as a clear sign that your claim is not on track Do you know how long your claim is likely to take We have found this to be a common concern and one that most struggle to get answered by their Loss Adjuster By talking through the basic details of your claim we could give you a good idea of the timeframes you can expect Without experts on your side is your claim at risk Quite simply yes And you don t have to take our word for it Mr Buck is one of many clients who have made similar comments about the difference we have made to their claim I have not had anyone assist me with an insurance claim before I needed to because the insurance company s response when I contacted them was woefully inadequate The contrast when Morgan Clark got involved was immense I was assisted all the way and Pino especially used his knowledge of landlords requirements to tailor the works to my benefit Our Claim Maker Team will turn this overwhelming experience into one you feel in complete control of You will be assigned your own experienced Loss Assessor Chartered Surveyor Contents Specialist and Builder Are you worried using our services will upset your insurer We understand that people in your position can be wary of using companies like ours as they have concerns about what their insurer will think With a claim that requires a Surveyor it is in fact common practice Our Claim Maker Team is so well respected within the industry that there have been times Adjusters themselves have recommended our services to their clients Do you need help with your

    Original URL path: http://www.morganclark.co.uk/about-us/how-morgan-clark-can-help/common-questions/ (2016-04-24)
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  • Nationwide Loss Assessors - Morgan Clark
    find the office nearest to you by visiting our Contact Us page You can read about some of the areas we cover by clicking on the links below Bedfordshire Birmingham Bristol Cheshire Essex Kent London Manchester Nottinghamshire Yorkshire Leeds Wherever you are we can arrange for our local loss assessor to discuss your claim with you this review is free and without obligation Call the number shown above today either to make an appointment with your local assessor or to speak immediately to an assessor over the phone Help with your insurance claim is just a phone call away Do you need help with your claim Call free on 01978228646 for a free consultation Call 03334142749 from mobiles Lines open 24 7 Your Bespoke Claim Maker Team How Morgan Clark can help Meet the team Customer stories Client feedback Voice of the industry Working with insurers and adjusters Professional memberships Morgan Clark Foundation Blog 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

    Original URL path: http://www.morganclark.co.uk/about-us/how-morgan-clark-can-help/locations-covered/ (2016-04-24)
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