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Are you covered for storm damage?

The Connexion, Jun 5

Thunderstorms that battered the country over the weekend are continuing as forecast.

As the clean-up begins, so do questions over what storm damage is covered by home insurance policies.

Not all home insurance policies include storm and flood damage insurance. Check if damaged goods covered by your insurer. For example, items stored in cellars or garden equipment may not necessarily be covered as standard.

But special provisions exist in case of water or lightning damage … so it is advisable to be precise in any claims over the cause of any damage.

Before arranging for any work to be done, contact your insurer to report any damage. Under normal circumstances, you should get in touch with your insurer within five days. This guards against delays having your bills reimbursed.

If you were away at the time of the storm, then any claims should be made within five days of the date of your return, though in the case of damage caused by highly-publicised storms it may be argued you should have known.

Take photographs and video of any storm damage - and, if possible, hailstones - to give an indication of the scale of damage to help with estimates.

If your home is damaged by freak weather ask whether it was due to a tempête (storm) or catastrophe naturelle (natural disaster), as insurance claims are different for the two.

Insurance for storms, on the other hand, would include tiles blown off, trees falling on your property etc.

In a very violent storm both might come into play - damage from flooding could be a natural disaster, while wind damage would come under storm cover.


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