Does insurance cover storm damage?

 

Ireland has been through some of the worst weather conditions in recent years. Extreme weather is not something that is commonplace such as the massive floods and water damage caused in 2014 by the storm Darwin to the more recent destruction caused by storm Ophelia.

HOME INSURED Storm Damage

Storm Ophelia caused the nation to come to a standstill during the span of 24 hours. It was the most powerful storm in the last 50 years. Many thousands of people were without power or water for 24 hours, and homes across the country were hit with massive structural damage.

Many people are wondering about whether their insurance policy covers damages that result from bad weather and the likelihood of more severe tropical storms. We review the specifics to discover what your options are regardless of the fact that each policy is different. Home Insurance

Insurance Ireland - the umbrella body for the insurance industry - has confirmed homeowners who have extensive contents as well as home insurance water damage claims can be protected for storm-related damages. However, it advised consumers to review their policies shortly as the incident has occurred.

To make sure your claim is approved take these steps if you believe your home is negatively affected by weather.

Storms can damage roofing tiles, gutters, satellites, TV aerials as well as windows, fences and even buildings. Examine any damage caused to your home when you're able to assess the damage. If you can, take photographs to help you claim your damages.
It is possible to remove any items from your home that are destroyed by floodwater. Don't toss them away! They could need to be examined by your insurance company to determine the extent of the damage. After your claim has been completed, we suggest that you put the damaged items in a shed or shed.
Your insurance policy could provide for temporary repairs or alternative accommodation.

Emergency Home Assistance

Certain insurance companies provide support for homeowners in emergency situations at home, like a damaged roofing or plumbing problem. This is a great option for people who must locate a contractor quickly during the weekend.
Making an Claim

Get in touch with your insurance provider right away in the event that you need to make a claim for the homeowner's insurance. Contact information is listed on your policy as well as on the website of the insurance company.

Prepare to defend your claim:

Keep your policy documents in your pocket
Make sure to keep all the information. Receipts can be useful for damaged or lost items
To ensure that you don't miss important information and to ensure you are able to recall the details in a precise manner, it is recommended to write your own statement prior to making the call.
Don't exaggerate your claim.
Find out what you're declaring and what you will have to pay.
Track the process of claiming. Note dates, times , and details of any calls you make to insurance companies. Note any correspondence that you receive about your claim.

Business Name:- Property Claims Loss Assessors
 

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