National Claims Advice Hotline 0818 252 800

National Claims Advice Hotline 0818 252 800

Storm Insurance Claim – policy wording

Storm Insurance Claim – policy wording

The definition of storm is important to understand before attempting to make a storm insurance claim, a storm is defined by Google as“a violent disturbance of the atmosphere with strong winds and usually rain, thunder, lightning, or snow.”

storm Insurance Claim

When you have a storm insurance claim the policies provide definitions such as-

“A violent atmospheric event with strong winds in excess of 47 knots that may be accompanied by heavy rain, snow or sleet.”

Some storm insurance policies exclude the following when making a storm claim,

  • Storm Damage to fences and gates, lawns, hedges, trees, shrubs and plants.
  • Storm Damage caused by frost, Subsidence, Ground heave or Landslip.
  • Storm Damage caused due to wear and tear or gradual deterioration.
  • Storm Damage for loss or damage caused by weight of snow to gutters, fascia, soffit and to garages and outbuildings.
  • Storm Damage to roofs constructed with torch-on felt exceeding 10 years of age, or other felt exceeding 5 years of age.
  • Storm Damage by storm or flood to Contents in transit or in the open.
  • Storm Damage to Caravan’s or mobile homes caused by storm, unless secured at each corner by proprietary anchor screws and wire hawsers except when kept at the Premises specified in the schedule.

Home protection tips are also relevant when making a storm insurance claim, some of these are stipulated on your policy which include:

To minimise damage from storms, we suggest the following:

  • Mineral felt roofs have a limited life spam and are subject to wear and tear and deterioration over time. Check the roof covering at regular intervals and replace the felt where there are signs of deterioration. Remember, your storm insurance Policy does not cover the maintenance costs involved in repairing or replacing the roof. The Policy specifically excludes damage caused by wear and tear and gradual deterioration.
  • Ensure your tiles and guttering are secure.
  • Check that the gutters and drains are not blocked.
  • If a storm is forecast, make sure all gates are bolted. Put any garden furniture, lawnmowers or plant pots in a garden shed and lock it.
  • Check that the gutters and drains are not blocked.

When we consider the onerous sections of your home insurance policy, obtaining the advice’s of a competent loss assessor company to realise the maximum benefit of your claim is essential.

Contact us today for more information about what you can claim for when making a storm insurance claim.