ABI assures clients following Storm Darragh

Now that Storm Darragh has passed, many homeowners and businesses may be assessing the damage left in its wake. The Association of British Insurers (ABI) has outlined what to expect from your insurer if you need to make a claim, offering reassurance that the industry is well-prepared to assist clients affected by severe weather events like this.

What to do if your property is damaged

If your home or belongings have been damaged during the storm, the first step is to contact your insurer as soon as possible. Insurers can provide guidance on whether damaged items or property are repairable and how to proceed with a claim.

For emergency repairs, make sure to inform your insurer before undertaking the work and keep receipts for any costs incurred. These receipts will be essential when filing your claim.

If your home is uninhabitable due to the damage, many home insurance policies include provisions for temporary accommodation. Insurers may arrange and cover the cost of this accommodation within the limits of your policy.

Support for businesses

Businesses impacted by the storm may also be entitled to claim under their commercial or business interruption policies. The ABI recommends reviewing the terms of your policy and contacting your insurer for clarity on what is covered.

Staying informed

The ABI stresses the importance of staying updated on weather warnings and following advice from agencies like the Met Office. Being informed can help you prepare for future storms and minimise potential risks.

Reassurance from the insurance industry

Severe weather is an unfortunate reality for many UK residents, but the ABI reassures policyholders that insurers are ready to assist in the aftermath of such events. Louise Clark, a policy adviser at the ABI, stated:

“We’d like to reassure people that insurers expect bad weather to strike at any time and are geared up to deal with events like this as quickly as possible. So if you suffer damage to your property or vehicle, contact your insurer as soon as you can for help and advice.”

Why preparation matters

The ABI also advises having your insurer’s contact details handy, along with other emergency numbers, to ensure you can act quickly in the event of damage. Being prepared can make the claims process smoother and help you recover faster.

Storm Darragh serves as a reminder of the importance of having adequate insurance coverage. Whether you’re protecting your home or business, comparing policies on platforms like Compare UK Quotes can help ensure you have the right coverage for your needs.

By understanding your policy and knowing what steps to take, you’ll be better equipped to handle the challenges that storms like Darragh can bring.