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Storm Damage and Flood Claims
Storm Claims
High winds of at least 55mph, usually accompanied by at least 15 mm of rain 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
River banks bursting, water levels rising, drains overflowing. Potential buildings damage includes structural damage to cellars, floorboards, skirting boards and decorations. Potential contents damage includes damage to carpets, electrical goods, furniture.
Before you continue please note that the following are not covered by your policy as a result of flood damage:
- The excess
- Damage caused by a gradual rise in the water table
- 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
For all other storm or flood damage to your property:
If the cost of repair is less than £750 – Arrange for the repair work to be carried out by a reputable tradesman or company and obtain an invoice. The invoice should detail the exact work to be carried out and provide a breakdown of the full costs of labour, materials and scaffolding (if required) and any VAT element.
Please note that if your claim relates to damage to a flat felt roof, before proceeding with any repair, you must contact one of our customer service advisors on 0845 600 6001 for further advice.
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.
Whether you are claiming for flood or storm damage you should print out a copy of the storm damage claim form and post it back to us. Please send the completed Claim Form with Quotations and Invoice to the address shown at the top of the Storm Claim Form. When we receive your form it will be processed as quickly as possible and you should receive a response within 5 working days.