Insurance & You

Friday, 10 October 2014

Protect your home against stormy weather

Houses in the snow

Severe or stormy weather can cause all sorts of trouble for your home, and can sometimes result in serious damage to your property and possessions.

Often damage is unavoidable, but there are precautions you can take to minimise the risks from severe weather. We’ve put together some useful hints and tips for what to do when faced with storms or flooding.

What to do if bad weather is forecast:

What to do if you’re affected by flooding:

Flood Recovery Guide

If your home has been flooded, you can download this Flood Recovery Guide published by Know Your Flood Risk. It will explain everything you need to know, and what you can expect to happen before your home can get back to normal.

What to do if you’re unable to stay in your house due to damage:

Should conditions in your home be so severe that you’re unable to live there until repairs are made, the reasonable cost of temporary accommodation, whether this is a short stay in a hotel, or the rental of another property, will be covered by your insurance. The amount that can be refunded will depend on your policy and level of cover. An inconvenience allowance could also be provided should you decide to stay with friends or family.

If you need a deposit for a rental property then you can also get assistance with this, though the amount needed will be deducted from the final settlement made for alternative accommodation.

Getting your home back to normal:

After the weather is back to normal and your house is free from flood water, the restoration process can begin. A professional restoration company will do the necessary work, as directed by a loss adjuster. Personal items that were damaged or lost will be replaced or restored, so you can get your home back to normal as soon as possible.   

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