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Major loss

We are there for our clients’ customers in their time of greatest need, to provide support, guidance, and advice, and to help to recover and restore their businesses as quickly and efficiently as possible.

Woodgate & Clark manages all types of major and complex losses; material damage and business interruption, third party property damage, injury and domestic. Our team comprises highly experienced and qualified adjusters, supported by internal specialists including surveyors, engineers, counter fraud specialists and forensic accountants.

Total claim cost is rigorously controlled through detailed investigation, effective mitigation, and overall management of all aspects of each and every claim.

To complement the experience, technical expertise and commercial awareness of our own adjusters, we have access to a very wide range of specialist external resources for larger and more technical claims, including:

  • Aerial inspections, drones
  • Agricultural consultants
  • Arborists
  • Business interruption
  • Documentation restoration consultants
  • Drying, restoration and decontamination consultants
  • Environmental and oil contamination consultants
  • Forensic accountants
  • Forensic scientists
  • Fraud and special investigations
  • Glazing specialists
  • Heritage building consultants
  • Legal advisers
  • Marine surveyors and consultants
  • Materials consultants
  • Medical consultants
  • Motor engineers
  • Plant and machinery damage mitigation specialists
  • Rehabilitation and injury management specialists
  • Salvage specialists
  • Structural, mechanical, civil, and electrical engineers
  • Timber specialist consultants
  • Translation and interpretation service consultants
  • Valuation surveyors
Mike Higgins

Mike Higgins, Operations Director

Dip CILA Dip CII

Mike has worked in the insurance industry for 29 years, moving into loss adjusting in 2002 as a liability adjuster and progressing to a national role as Director of Operations. After re-locating to the South-East, Mike took up a role as London Market Director in 2015 with a major loss adjuster where he held leadership roles in Real Estate and Field Operations, developing and implementing field team development programmes. He also has extensive experience in delivering transformation programmes, both in terms of business growth and operational excellence. Mike joined Woodgate & Clark as Operations Director and main board director in January 2025, and has overall responsibility for loss adjusting services in the UK.