In the UK, storms are frequent, bringing with them high winds, heavy rainfall, and sometimes even flooding. Like Storm Isha, these natural events can cause significant damage to properties, leaving homeowners to face the daunting task of repairs and insurance claims. If you're one of the many affected by recent storms, you might wonder about your next steps and whether your insurance policy covers you.
The short answer is yes, in most cases. Most house insurance policies include cover for damage caused by storms. However, it's essential to understand the specifics of your policy. Coverage can vary, and there might be exclusions or specific conditions you need to meet.
Insurance companies have a specific definition for a 'storm'. Typically, this involves a certain wind speed level and may include other factors like heavy rainfall or hail. It's crucial to check with your insurer to understand their definition, as this can affect your ability to claim.
The wind speed that insurance companies classify as a storm varies. The UK Met Office provides data on weather conditions, and insurers often use this information to determine if an event qualifies as a storm. Typically, wind speeds need to be above a certain threshold, which can vary from one policy to another.
If your property has suffered damage due to high winds, heavy rain, or flooding, you can file a claim with your insurance provider. This includes damage to the structure of your home and possibly its contents, depending on your level of cover.
Liability for storm damage in the UK usually falls to the property owner. It's your responsibility to maintain your property and have adequate insurance cover.
In cases of extreme weather, it's also your responsibility to file a claim with your insurance provider for any damage.
When it comes to storm damage, not all policies are created equal. It's essential to understand the terms of your home insurance policy. Key elements to consider include:
In the event of a storm, there are steps you can take to protect your home and simplify the claims process:
Choosing the right level of cover is crucial. Consider factors like the value of your property, the risk of storms and flooding in your area, and whether you need extras like comprehensive car insurance for vehicles.
Filing an insurance claim can be complex and stressful, especially after a storm. This is where loss assessors come in. A loss assessor works on your behalf, not the insurer's, to ensure you get the maximum entitlement under your policy.
Oakleafe stands out as a trusted loss assessor, offering expert guidance.
In the event of a Claim, Remember the name!
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If you have been declined whilst trying to claim on your domestic or commercial insurance, we can help. We can also help with professional services, for example, Brokers, VAR Valuations and Managing Agents.
