With up to 50 per cent of the UK expecting gusts of over 45mph in the next few days, Aviva is advising homeowners to take basic precautions to protect themselves and their property.
The insurer has its network of contractors, claims teams and call centre staff on standby to help those who might be affected by the stormy weather.
“Like floods, tornadoes, earthquakes and freeze, storms and gales are covered as standard by your home insurance policy,” said Carole Gallagher, head of property claims at Aviva.
“There is no such thing as an ‘Act of God’ exclusion – this is exactly what your insurance covers you for.”
“So any damage caused to your property as a direct result of storm force wind and rain is covered AND if you are forced to move out of your home the cost of alternative accommodation is also paid for. We can make separate arrangements for your pets, too!”
What to do before the storm:
- Park the car in a garage, or away from large trees.
- Secure or lock- away loose objects such as garden furniture and ornaments, bikes, children’s toys and ladders.
- Fasten all doors and windows.
- With electrical storms, remove the aerial from the TV set.
If you have time:
- Check for loose tiles on the roof
- Secure any weak fences and posts – to minimise the risk of causing damage to other parts of your property
- Check aerials or satellite dishes are securely fixed
What to do after the storm:
If your property suffers damage, ring your insurer immediately.
The most common types of storm claims:
- Roof tiles blown off, often in conjunction with damage to gutters, fascias etc.
- TV/radio aerials damaged.
- Breakage of glass – most often greenhouse glass.
- Lifting of roofing felt, particularly on sheds.
- Damage to chimneys.
- Trees falling down and damaging buildings
- Boundary walls blown down.
But do bear in mind an insurance policy is not a maintenance policy – most companies expect your home to be in reasonable condition, wear and tear isn’t covered. Fences, gates and hedges that have blown down as a direct result of high winds are also generally excluded.
