Insurance policies can be difficult to interpret, and as a result of the recent storms nationwide, many property owners have been left confused. What are you entitled to under the terms of your insurance agreement? Does the policy cover storm damage? At All Property Care, we will survey and assess your damage claim, study your insurance policy and meet your insurer to negotiate a settlement of your claim alongside undertaking all restoration and repair work.
Continue reading to discover more about storm damage insurance claims, and how we can help you with any damage claims.
Storm Damage Explained
The Met Office defines a storm as any “violent atmospheric disturbance”, with Storm Eunice recently causing countless disruptions across The United Kingdom. This included road closures, power outages, public transport disruption and warnings to stay at home – not to mention property damage. Insurance disputes may still occur over what insurers define as a storm, with some providers using a system called The Beaufort Scale. This categorises wind speed on a scale of 0 to 12, and if the winds at the time of damage did not hit a certain point, insurers may argue that they do not count as storm-force winds.
The Repercussions Of Storm Damage
When insurers assess a claim for storm damage, they will take into account the wind and rain conditions around your location when the damage occurred. The destructiveness of a storm may manifest in a number of ways, such as roof tiles being blown off in heavy winds, a house being damaged by lightning, fallen trees damaging your property, or even water damage occurring due to heavy and sustained rainfall. Some insurance providers may not include damage to outdoor features within their policy, excluding damage to fences, gates, and garden furniture. It is important to have your policy checked by professionals, so you know what you are entitled to.
How We Can Help
Insurers will always want to know the cause of damage before they agree to assist with repairs to your property, and damage sustained to your home or business premises during a storm is no different. Whether water damage from a leaking roof or damaged tiling and guttering, only under storm-related conditions will insurers agree to cover damage. We can help you by sending our roofers to give you an expert report of the cause of the property damage and costs, progressing your claim for internal repairs at the same time.
Specialising in property insurance claims from beginning to end, All Property Claims provide a hassle-free service to get your insurance claim agreed upon. We are able to settle claims directly with insurers as we operate under the regulation and authorisation of the FCA. From vandalism to water damage, for more information on the personalised service we provide, don’t hesitate to contact us today.