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Storm Damage

Are You Covered For Storm-Related Building Damage?

Now that storms Ciara and Dennis have passed us by, building managers the UK over are no doubt assessing the resulting damage and what repairs need to be carried out.

It’s possible that you will be able to make claims on your insurance to cover you for the damage that has been done, but note that providers may well argue over paying out for claims as a result of bad weather if wind speeds at the time don’t meet their criteria for what they consider to be a storm, the Daily Telegraph reports.

The news source explains that there is no single definition regarding what constitutes storm conditions and the majority of insurers say that wind speeds must be at least 47mph, although others have raised this limit to 55mph.

It’s worth noting that many companies won’t pay out for damage done to satellite dishes or TV aerials, even in storm conditions, while others will turn down claims for damage to paths or patios unless the main site has also been affected. And very few policies will cover damage to fences, hedges or gates.

Commenting on Storm Ciara, a spokesman for the Association of British Insurers said: ““It’s definitely a storm, there’s no doubt about that. It’s not one of those cases where there can be any dispute.”

The Environment Agency has this week (February 17th) urged people around the country to keep up to date with all the latest safety advice as the impacts of Storm Dennis continue to be felt.

River levels will remain particularly high on the rivers Wye and Teme, as well as the River Ouse in York. More heavy rain has been forecast in the north of England for later on in the week, which may affect those areas that have recently seen floods.

There are currently 188 flood warnings and 233 flood alerts in place around the UK, with more than 480 flood warnings and alerts in place in England – which is the highest on record.

Executive director of operations at the Agency Toby Willison explained that teams are now working around the clock, alongside fire and rescue, local authorities and the police, to reduce flood risks and keep communities safe.

“With the effects of climate change, we are seeing more frequent periods of extreme weather. It is important for people to be aware of their flood risk and stay safe by signing up for flood warnings, making a flood plan and remembering not to drive or walk through flood water – it’s not worth the risk,” he went on to say.

More than 5km of temporary flood barriers have been put up around the UK, with defences protecting almost 20,000 properties from the impact of Storm Dennis.

If you need help with building maintenance and repairs, including on site spray painting, get in touch with us today.

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“We have used CJ Paint Spraying a couple of times for on site spraying services along with repairs to our external cladding. All of the work they have completed for us has been spot on! It always looks brand new, and the teams are friendly and professional, we couldn't recommend enough.”

David Netherway 14th March 2018