Storm Bert has wreaked unexpected havoc across the UK, leaving behind a trail of destruction with hundreds of homes and businesses either completely demolished or severely damaged following intense flooding, gale-force winds, and heavy snow. The fierce storm forced communities to evacuate and, tragically, led to at least five reported fatalities.
For those grappling with the aftermath of Storm Bert, understanding your entitlements is crucial. Residential properties were swamped by floodwaters, streets transformed into torrents, and wind speeds hit 82mph heights.
The commencement of the massive clean-up operation sees storm victims face an uncertain road ahead paired with daunting repair bills. Yet, for individuals with the appropriate insurance agreements, financial relief could be available, though specific coverages will vary depending on individual policy details.
READ MORE: Flood ‘mayhem’ in Bristol after Storm Bert lashes city
The Association of British Insurers (ABI) advises that ordinary home insurance policies, on top of commercial business and comprehensive motor insurances, generally include storm and flood damage provisions.
Louise Clark, General Insurance Policy Adviser at the ABI, assured that insurers are well-prepared to tackle the consequences of extreme weather situations. Describing their approach, she stated: “Their priority will be to help affected customers recover as quickly as is practical. If your property or vehicle has been damaged, contact your insurer as soon as you can for help and advice.”
What you should do if your home suffered water damage
If your property has been hit by flooding, your insurance provider can offer advice on securing emergency accommodation or temporary trading premises if you have business interruption cover, according to the Mirror. Once they have all the necessary information to support your claim, they will guide you through the clean-up and repair process.
Following this, the Association of British Insurers (ABI) states that a loss adjuster will be assigned to evaluate your claim and conduct an initial damage assessment. Alongside this, the repair process will be explained, and alternative accommodation options will be presented.
If a visit to your business or home is required, they will get in touch. After the evaluation, your loss adjuster will coordinate the cleaning and stripping out of your property.
This work should commence within four weeks of the loss adjuster’s appointment. If additional tasks such as drying and disinfecting are required, these will also be arranged for you.
However, the timeframe for completion can vary from a few weeks to several months. Your loss adjuster will provide a schedule and keep you updated throughout the process.
If your home or business needs repairs, this should commence shortly after receiving your drying certificate from the drying company. Your loss adjuster will assign a builder to carry out the repair and reconstruction work and keep you informed about the expected timelines.
The Association of British Insurers (ABI) suggests that you can also inquire with your insurer about eligibility for Build Back Better, which may include the installation of property flood resilience measures as part of the repairs. Once this is done, plans to move back into your home or business can start.
Depending on the extent of damage to your home, this could be anywhere between a few weeks to over a year post-flood.
What if your home is damaged by wind?
If your property has been damaged due to storm-force winds, the ABI advises contacting your insurer immediately. Most insurers have 24-hour emergency helplines, offering advice on what steps to take and arranging swift repairs.
If necessary, your insurer will organise temporary emergency repairs to prevent further damage. .
If you need to arrange emergency repairs yourself, inform your insurer and retain any receipts, as these will form part of your claim. During the cleanup, don’t rush to discard damaged items unless they pose a health risk.
These items might be repairable or restorable, but you’ll need to consult your insurer to confirm this.
If your home becomes uninhabitable due to necessary repairs, your insurance company will organise and cover the cost of any temporary alternative accommodation in accordance with your policy. The ABI states that commercial policies will cover damage to premises and stock.
Furthermore, business interruption cover – which can either be included or purchased separately – will take care of additional trading expenses, such as the cost of renting temporary alternative trading premises if necessary.