Storm damage and flood claims

Storm claims

Storm conditions causing structural damage and water ingress, potential damage includes tiles coming off the roof and water leaking through the roof.

Before you continue please note that the following are not covered by your policy as a result of storm damage:

• The excess
• Damage to fences, hedges or gates
• Damage caused by frost
• Damage to property that does not belong to the policyholder
• Damage caused by wear and tear, gradual deterioration or due to a lack of maintenance
• Damage to vehicles

Flood claims

Before you continue please note that the following are not covered by your policy as a result of flood damage:

• The excess
• Damage to fences or gates
• Damage caused by frost

For all other storm or flood damage to your property:

If the cost of repair is above £750 – We recommend that you speak with one of our customer service advisors who will be happy to assist you. They can be contacted on 0845 600 6001.

If emergency temporary repairs are required to make your property weatherproof, these can be put in hand immediately. However, we should be given the opportunity of inspecting the damage before permanent repairs are carried out. Please note that the settlement of your claim will be net of any excess that may be applicable to your policy, the amount of which can be found on your policy schedule. Before you proceed with registering your claim we must remind you that by doing so you could lose some or all of your entitlement to a no claims discount. This may increase your premium at next renewal and individual underwriting action may also be considered. We would also like to remind you that we exchange information with insurers through various databases to help us check information provided and also to prevent fraudulent claims.