Top Tips in the event of a weather related Property claim.

November 25, 2015

Top Tips in the Event of a claim relating to weather from your Primecover Team and BIBA

• Notify your insurance provider; at the earliest opportunity, call your insurance broker or insurer to tell them of the damage. If your Insurance Broker Office is closed you will be able to find the claims number for your insurer in either your policy documentation or on their website. You Will need to provide them with your Policy Number or your Address.
Your broker or insurer will help you through the claims process and will help make right any damage caused. If you need to make any emergency repairs, inform your insurer before carrying them out so that they can consider this as part of the overall claim.

• Stay safe; don’t put yourself in danger. Leave work like fixing a roof to the professionals.

• Damage to motor vehicles; if your car has been damaged by a falling tree, this will usually be covered under your motor insurance if you are fully comprehensively insured.

• Flood; if your home is flooded, turn the power off. Move any items which may be damaged further upstairs

• Mitigate risks; under the terms of your policy, you are required
to‘mitigate’ against further damage or losses. For example, if you’re leaving your home unattended, make sure it is safe and secure before leaving.

• Evidence your claim; don’t throw damaged items away as they will help you to evidence your claim. If it is impractical, for example a damaged carpet, then keep samples to show it to the loss adjuster and take photos of any damage. Also, keep receipts as this can prove how much you have spent to make good damage and ensure you get paid the full amount for your claim.

• Gates and fences are generally not covered under household policies

• Alternative accommodation; many policies will cover alternative
accommodation if you’re not able to stay in your home, typically to the value of 20% of the sum insured.

• Power cut; if you suffer a power cut, some policies cover your freezer
contents up to the value of around £1,000

Alex Evans

You May Also Enjoy

Breaking News

Solutions to fix construction skills

The Centre for Social Justice (CSJ) has released a report titled, ‘Skills to Build: Fixing Britain’s construction workforce crisis.’ After speaking to several organizations and having roundtables to garner a wide understanding of the sectors’ perspectives and needs, they have proposed twenty six recommendations that will fix the issues underpinning the skills crisis. Richard Beresford,…
Read More →
Breaking News

Budget Commentary – Mansion Tax, Business Rates & Planning Reform

Andrew Teacher, Co-founder at LauderTeacher, one of the UK’s leading advisors on real estate communications, investor relations and a former spokesman for the BPF, comments on the potential Budget. Mansion tax “Nobody likes paying tax, but the reality is a council tax revaluation is long overdue. Rather than distorting the market, which is what a…
Read More →
Rightmove logo
Breaking News

Budget 2025 market data & home-mover and agent insight

Speculation about property tax changes is fuelling uncertainty across much of the market Rightmove research found that home-movers would favour staggered stamp duty payments, while a poll of estate agents also suggested that staggered payments would be a preferable change to shifting payment to the seller Rightmove data on rumoured property tax changes Mansion Tax…
Read More →
Breaking News

Breaking Property News 24/11/25

Daily bite-sized proptech and property news in partnership with Proptech-X. Symple resolves four core issues in the new Renter’s Rights Act Automating compliance in the new PRS landscape   The Renters’ Rights Act has raised the bar for private landlords in England in terms of property condition, hazard resolution, evidence of compliance and regulatory registration. Symple…
Read More →
Breaking News

What does Rachel Reeves have in store for the UK property market?

With the Autumn Budget now just days away, speculation is mounting that the Chancellor, Rachel Reeves, will use property taxation as a central tool to address the widely reported fiscal shortfall of between £20bn and £40bn. As a result, the housing market has entered a period of caution, with asking prices falling 1.8 percent in…
Read More →
Letting Agent Talk

Why Property Guarantors Need Legal Advice Before Signing

When it comes to property deals, it’s natural to look for additional support, especially when you’re not fully confident about meeting the terms of the agreement. This is where a guarantor comes into play, as they step in to give the property owner some assurance. The idea of helping someone you trust can feel quite…
Read More →