Is storm Ciara classified as a storm, and can I claim on my insurance for any damage the storm does to my property? The answer is maybe, and it depends on your insurance company. Insurance companies look at data from the met office to determine if the winds in a particular area reached the correct speed to trigger their threshold of a storm. You really need to read the insurance policy to see if any damage to your roof by the storm is covered. If your roof is not new and you claim that the storm caused damage to the roof then the insurance company may suggest that the problem was lack of maintenance, and tell you that you are not covered for storm damage. However, this is not always true and should be argued, if you can prove that the majority of the damage was because of the storm, then you can normally get the insurance company to cover the claim. Make sure it's worth making a claim on the roof damage, as you probably have to pay the first £250 to £500 excess, and it's more than probable that your premium will go up the following year. So, generally speaking, making a claim for damage to your roof caused by storm damage under the £750 mark, is probably not worth pursuing. Storm Ciara brought lots of rain with it, and if your roof has been damaged by falling tiles or masonry, and the insurance company won’t entertain a claim for storm damage, you may find that you can claim for the damage caused by the water ingress, but not for the roof damage. Doing the roof repairs after the storm may cost you £200 to £500, but other damage to the property may cost a lot more, and if you have accidental cover, this damage should be covered. I'm talking about damage to timberwork, windows, internal plaster and decorations.

свернуть