The Association of British Insurers (ABI) is reassuring homeowners and businesses impacted by flooding and Storm Henk that their insurers will be ready to help and support their customers.
Damage caused by floods and storm is covered by most standard home insurance and commercial business policies, and comprehensive motor insurance.
Louise Clark, General Insurance Policy Adviser at the ABI, said:
“Insurers expect bad weather to strike at any time and events such as this are exactly what your insurance is for. Their priority right now is to help any affected customers recover as quickly as possible. If you have been affected by flooding, contact your insurer as soon as you can and they will be able to offer help and advice.”
If you have suffered storm damage:
- Contact your insurer as soon as possible. Most will have 24-hour emergency helplines to ensure you get advice on what to do and arrange repairs as quickly as is possible.
- If necessary, arrange temporary emergency repairs to stop any damage getting worse, but speak to your insurer first. If you have to arrange emergency repairs yourself, tell your insurer and keep any receipts, as this will form part of your claim.
- Do not be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise.
If your home is uninhabitable while repairs are being carried out your insurer will arrange for, and pay the cost of, any alternative temporary accommodation you may need in line with your policy.
Commercial polices will cover damage to premises and stock. Business interruption cover (which may be included or purchased separately) will cover additional trading costs, such as hiring temporary alternative trading premises if necessary.
Read our full guidance on coping with storm damage here.