How to make a claim on your home insurance if your house has been damaged in the recent storms

18 February 2014 - Which Way To Pay


Does my home insurance cover storm damage?

Many people have been hit by the recent storms which have thrown the UK into turmoil. Have you been trying to contact your home insurance company to arrange compensation for damage caused by the big storms? Typical claims which are being made include broken garden fences, dislodged roofing tiles and damage to cars by falling debris. Insurers say "Their first priority will be to work as quickly as possible to deal with claims, and help customers recover," said Mark Shepherd, a policy adviser to the Association of British Insurers (ABI).

How can I check my insurance policy?

Most household, business and comprehensive car insurance policies cover you against storm and flood damage. If damage is serious and you need to be evacuated from your home, most policies cover the cost up to a limit. Always check the terms and conditions of your policy and follow the procedure set out by your insurance company. Document any damage with videos or photographs and ensure that you get at least two quotes for any damage.

Who will assess the damage?

If the damage is serious enough the insurer will appoint a loss adjusted. This is an independent person, who will however be paid by the insurance company. A loss adjusted will make contact with you within 24 hours and inspect the damage within three days. Loss adjusters are extremely busy at the moment so this may be delayed. They will give you a timetable for work and inform you will be undertaking the work.


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