Preparing your Home
The following information may be useful in order to prepare your Home in defence of a Storm
- Ensure roofs including roof tiles/slates, gutters, aerials and satellite dishes are checked regularly and particularly after storms or heavy rain as they can be dangerous if loose. Please note that extreme care must be taken whilst working on a roof and you should hire a specialist to carry out the necessary work.
- Put away garden furniture and other items that could blow around in a strong wind.
- Inspect all trees and high hedges on your site that have the potential to fall during storms on your property or that of your neighbours (including cars). If in any doubt have them inspected by a professional.
- If you have any tall trees where the branches could potentially make contact with any electrical cables should be inspected by your electricity supply company and only a competent person appointed by them should attempt to prune or remove such branches.
- Pay attention to weather forecasts on radio & television
- Check battery powered equipment, emergency cooking facilities and flashlights so you won’t be without heat or light during a storm.
- Stock extra food. Include food that does not need to be cooked in case of power failure.
- If the power has been disconnected keep your refrigerator and freezer doors closed as much as possible.
What you should do after the Storm
Once the storm has passed and you think your property may have suffered damage the following may assist you to assess the damage and report them to your insurance company or ourselves.
- If safe to do so inspect your roof and any items attached to it such as chimney stacks, aerials and satellite dishes.
- Do not allow children or pets out to play until an examination of your property is completed.
- Stay clear of damaged power lines and report them to the your local electricity supplier as soon as possible.
- Avoid damaged buildings and trees as they may collapse.
- Do not attempt any emergency repairs unless it safe to do so.
- Stay clear of any flooded areas.
If you have any damage contact ourselves or your Insurance Company as soon as possible. Most insurance companies have a claims assistance helpline service which will be able to put you in contact with local contractors and repair people if you need them to carry out emergency repairs.
If the claim includes injury to someone else or damage to their property, you should send written details to us as soon as possible. Any letters or documents received from injured parties should be sent unanswered without delay.
Depending on the type of damage your insurer may instruct an assessor to look at the damage. You should provide any documentation that is requested. The loss adjuster will liase with your Insurance Company and chosen tradesman who will be repairing your damage to settle your claim.