Storm Damage Insurance Claim

Storm damage insurance claim after severe downpour

Storm Damage

Is water dripping or pouring into your property after a recent storm? Making a storm damage insurance claim to cover the cost of the repairs? IC Assist can help. Violent winds can cause roof tiles to slip or blow off. When accompanied by rain, this can cause internal damage to ceilings, walls and floors. If you are claiming on your buildings insurance for damage to your property, IC Assist can not only manage your claim but also carry out all the repairs too.

We have a carefully selected team of professional contractors to repair water damage to ceilings, walls and floors following a storm. So we can help with everything from plastering and decorating to tiling, flooring, carpentry, electrics and more.

Our storm damage repair service includes:

  • Property drying and water damage restoration
  • Treating and drying joists and timbers in the loft
  • Laying new loft insulation
  • Stain blocking and painting stained ceilings & walls
  • Patch repairing water damaged ceilings
  • Fitting new plasterboard and re-plastering collapsed ceilings
  • Repairing cracks in Artex ceilings
  • Plastering & decorating wet, stained or blown walls
  • Flooring Restoration or renewal – solid wood, laminate flooring, vinyl, tiles etc
  • Electrical testing
  • Bathroom & kitchen repairs
  • Collapsed boundary walls

You can see some pictures of ceilings and walls damaged as a result of a storm on our Facebook page.

Property Storm Damage Repair

Torrential rain can also cause flash flooding as the levels in nearby rivers rise. Floods can cause significant destruction to properties. Usually, because there isn’t enough time to protect homes from the gallons of floodwater gushing in. What’s even more shocking is that properties can be flooded several times (as was the case with storm Ciara and storm Dennis). This causes unbelievable distress and ruins these poor peoples beloved homes and belongings.

If your property is flooded due to a recent storm, we also provide a complete flood restoration service. This gives homeowners professional guidance and assistance when making an insurance claim following a flood.

We can also assist with claims for boundary walls that have blown over or collapsed.

storm damageThe brutal force of high winds during a storm can cause boundary walls to collapse and come crashing down. Providing your wall was in a good state of repair before the storm, your policy should cover you to re-build your wall. Please note Insurance companies decline a lot of claims for re-building walls that have fallen. Usually, because it was clear that the wall was not maintained and was in poor condition. Some of the reasons for declining a claim can include weeds/vegetation growing in the mortar joints. Or cracked or missing mortar.

Party Wall Act 1996 – If you share your boundary wall with a neighbour, you are legally required to serve them a Party Wall Notice. As per the Party Wall Act, no work can start until you get consent from your adjoining neighbour. If a Party Wall Surveyor is required, we’ll check your policy wording to see if you are covered for this. Don’t worry, we can instruct a Party Wall Surveyor to ensure everything is done correctly.

An example of the type of damage storms can cause to brick walls can be seen in an article online where an entire four feet high garden wall was flattened.

Storm Damage and Insurance Claims

The definition of ‘storm damage’ can be open to interpretation. This is because every policy differs and some policies don’t define exactly what a storm is. Therefore, it’s important to check your policy wording for clarification. This is something we can do for you – as it isn’t always easy to understand what part of your policy it falls under.

Most insurers use the Beaufort scale to establish wind speed or gusts. Where they rely on this, they will state in their policy wording what they class as storm force wind speeds concerning the Beaufort scale.

How do Insurance Companies Define a Storm?

Storm damage to roofWhen the Financial Ombudsman (FOS) review complaints about declined (repudiated) storm damage insurance claims, they may apply their definition of the storm. The FOS may do this when there is no clear definition set out in the policy wording. This means they could decide to approve a claim for significant property damage due to high volumes of rain, hail or snow (in a short space of time). Or when the level of rain, hail or snow is extreme. (As the weight of a lot of snow can a roof to collapse once it settles.) However, this will all be dependent on providing sufficient evidence to support.

You may need to make an accidental damage claim.

If a tile is blown off a well-maintained roof during storm conditions, this is weather-related damage. As a result, making a claim should be straightforward. However, if internal water damage occurs as a result of rainwater entering a property via a roof damaged by a storm, it may be classed as ‘accidental damage’ on some policies. (Please note that accidental damage is not included as standard on most buildings policies – it is often an optional extra. So, if you didn’t opt for this level of cover your insurance company might not pay for the repairs.)

How to Determine if you Have a Valid Claim for Storm Damage Repairs

Insurers look at many factors when trying to determine whether a storm claim should be approved. The most common reason insurers decline claims is due to lack of maintenance or wear and tear. Therefore, to present a valid claim to your insurer, they are several factors that we must consider.

Firstly, it must be evident that your property was in a good condition and well maintained at the time of the incident. Secondly, we need to prove that there was a storm, with the right wind speeds near your property at the time the damage occurred. (Looking at records from weather stations in your area helps with this.) As they will show wind speeds at given times throughout the day. The Met Office also keeps a log of all storms.

We can take a common-sense approach too. For example, if there is widespread damage to other properties near you, this will help your case too. These are just a few benefits of IC Assist’s unique free service and there are many others too.

You must act quickly to prevent unnecessary damage to your property – as per the terms of your insurance policy.

When making a storm damage insurance claim, your insurer will expect you to take action to mitigate the extent of the damage. This means you must take reasonable care to avoid the affected areas getting any worse. So, if water is still leaking in from your roof due to a recent storm, it’s important to get it repaired as soon as possible. This will therefore stop the rain from getting in and prevent unnecessary water damage to your ceilings, walls & floors. As the longer the rain pours in, the more saturated the building materials will get. Subsequently increasing both the scale and value of your insurance claim. In addition, longer drying times may be required, which will delay the reinstatement works to your property.

Need assistance claiming for a storm damage repair? Call IC Assist now on 0800 4337 290