Storm Bert: Who can make insurance claims after devastation wrecks homes and shops

Storm Bert has wreaked unexpected havoc across the UK, leaving hundreds of homes and businesses devastated by severe flooding, high winds, and heavy snowfalls. The storm's wrath has not only destroyed homes and displaced communities but has also claimed at least five lives.

Amidst the destruction, many are left wondering about their rights in the face of Storm Bert's devastation. Homes have been swamped, streets turned into torrents, and wind speeds of up to 82mph were recorded.

As the clean-up begins, those hit by the storm face a daunting future and staggering repair bills. Yet, there is a silver lining for those with appropriate insurance cover, although the extent of coverage for specific damages will vary according to individual policy terms.

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The Association of British Insurers (ABI) assures that most standard home, commercial business, and comprehensive motor insurance policies include protection against storm and flood damage.

Louise Clark, General Insurance Policy Adviser at the ABI, reassured policyholders that insurers are well-prepared to handle the aftermath of severe weather events. She stated: "Their priority will be to help affected customers recover as quickly as is practical. If your property or vehicle has been damaged, contact your insurer as soon as you can for help and advice."

What you should do if your home suffered water damage

If your home or business has been hit by flooding, your insurance provider can offer advice on securing emergency accommodation or temporary trading premises if you have business interruption cover, according to the Mirror. Once they have all the necessary details to support your claim, they will guide you through the clean-up and repair process.

Following this, the Association of British Insurers (ABI) states that a loss adjuster will be assigned to evaluate your claim and conduct an initial damage assessment. Alongside this, the repair process will be explained, and alternative accommodation options will be presented.

If a visit to your business or home is required, they will get in touch. After the evaluation, your loss adjuster will coordinate the cleaning and stripping out of your property.

This work should commence within four weeks of the loss adjuster's appointment. If additional tasks such as drying and disinfecting are required, these will also be arranged for you.

However, the timeframe for completion can vary from a few weeks to several months. Your loss adjuster will provide a schedule and keep you updated throughout the process.

If your home or business needs repairs, this should commence shortly after receiving your drying certificate from the drying company. Your loss adjuster will assign a builder to carry out the repair and reconstruction work and keep you informed about the expected timelines.

The Association of British Insurers (ABI) suggests that you can also inquire with your insurer about eligibility for Build Back Better, which may include the installation of property flood resilience measures as part of the repairs. Once this is done, plans to move back into your home or business can start.

Depending on the extent of damage to your home, this could be anywhere between a few weeks to over a year post-flood.

What if your home is damaged by wind?

If your property has been damaged due to storm-force winds, the ABI advises contacting your insurer immediately. Most insurers have 24-hour emergency helplines, offering advice on what steps to take and arranging swift repairs.

If necessary, your insurer will organise temporary emergency repairs to prevent further damage. If you need to arrange emergency repairs yourself, inform your insurer and retain any receipts, as these will form part of your claim.

During the cleanup, don't rush to discard damaged items unless they pose a health risk. These items might be repairable or restorable, but you'll need to consult your insurer to confirm this.

If your home becomes uninhabitable due to necessary repairs, your insurance company will organise and cover the cost of any temporary alternative accommodation in accordance with your policy. The ABI states that commercial policies will cover damage to premises and stock.

Moreover, business interruption cover - which can either be included or purchased separately - will take care of additional trading expenses, such as the cost of renting temporary alternative trading premises if necessary.