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What Happens When You Make A Storm-Related Claim?
9/9/2020 (Permalink)
What Happens When You Make A Storm-Related Claim?
When you make your claim, your insurer is likely to check the storm conditions in your area. Then, dependant on the severity of the damage and likely cost of the claim, an assessor may come to your home. This may be an independent surveyor connected to your insurance company, or an employee of the insurer.
An important point to note is that the insurer will actively be looking to assess whether the damage on your property can be fully attributed to the storm, or if it occurred due to a lack of general upkeep and property maintenance. When assessing a claim, your insurer will always take the condition of your property into account because a well-maintained building should withstand all but the most severe weather damage. That is why it is important to always keep your property in good condition, so you do not increase your chances of an invalidated claim. An example of this would be if you make a claim for water damage but the insurer's inspection finds that the gutters aren't clear.
If it is clear that the damage is a result of the storm, then your insurer will let you know how they will proceed after inspection. If the damage to your home is serious, making it uninhabitable, your insurer should pay for temporary accommodation while it is being repaired.
Any policy details and procedures due to take place will be explained to you when you speak to your insurer. One piece of advice is to make sure that you take detailed photographs of all of the damage caused to your property for a personal record.
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