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 insurance 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
- Renewing 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.
IC Assist can help with more significant property damage claims caused by a storm.
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 flood water 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 home is flooded due to a recent storm, we also provide a complete flood restoration service. This is 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
The 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 prior to 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 down. 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 your 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.
How do insurance companies define a storm?
It’s important to check your policy wording for clarification – as every policy differs and some policies don’t define exactly what a storm is. 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 in relation to the Beaufort scale.
When the Financial Ombudsman review complaints over repudiated storm damage insurance claims, they may apply their own definition of storm. This may do this when there is no clear definition set out in the policy wording. So, 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.
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, in order to present a valid claim to your insurer, they are a number of factors that must be considered.
Firstly, it must be evident that your property was in a good condition and well maintained at the time the incident. Secondly, we need to prove that there was a storm, with the right wind speeds and in close proximity to 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 also take a common sense approach too. For example, if there is widespread damage to other properties in close proximity to you, this will help your case 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 you roof due to a recent storm, it’s important to get it repaired as soon as possible. This will therefore stop the rain 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.