Does home insurance cover storm damage?
Storms yield strong winds that can topple trees, break buildings and infrastructure. Your business and productivity may be seriously affected if a big storm blows. ‘i am claims’ makes sure your building insurance claims cover all losses and damage caused. This will depend on the extent and the type of damage. According to consumer website money saving expert, home insurance nearly always includes cover for alternative accommodation, if you are unable to live in your own property. http://3b8.s3-website.ap-east-1.amazonaws.com/damage-loss-claim/index.html The chaos and clear-up after a storm can cause nightmares for homeowners, be it from flooding to serious property damage or even just a few tiles falling from the roof. Claims ireland has listed out key tips on what to do before and after a storm, and how to make an insurance claim if your home and its belongings are badly damaged. What should i do before a storm arrives? first things first - make sure you have easy access to up-to-date emergency phone numbers as you may need to act quickly to sort the problem. Also, make sure your mobile phone is fully charged as a communication back up in case a landline is cut. What is a storm?
read more →What to do if your house gets burgled
In january, when we were on holiday in australia, our house was burgled. We returned home and claimed for jewellery and electrical items on our co-op house insurance. On 1 march, co-op said the claim would shortly be finalised but, 10 days later, we had a visit from a loss adjuster who wanted to see the damage. This had already been repaired and the adjuster recommended the claim be settled immediately. Later the co-op said we needed to speak to signet, a different loss adjuster, about my jewellery. A couple of days later, we received £173 after paying £100 excess under the buildings section, for repairs to a broken window. How to prevent a burglary and protect your property Burglary and theft are among the most common commercial insurance claims. Insurance companies offer coverage for businesses when their property, money, or other assets are stolen or damaged by burglary. As a business owner, you should ensure you have the right kinds of coverage in place to protect yourself from losses due to burglary and theft. It is also important for you to regularly review your policies and update them if needed. home theft and break-ins happen to renters
read more →Door locks and home insurance
You may not be able to eliminate the risk of being burgled, but by theft-proofing your home, you can make it more difficult for intruders to gain access to your home. And you might also save money on your insurance premium. Ways you can theft-proof your home include: install a burglar alarm that’s connected to the local police. Add motion-detection lights outside your home. Use high-quality deadbolt locks on your doors. Install video surveillance cameras on your property. http://3b8.s3-website.ap-east-1.amazonaws.com/damage-loss-claim/index.html Making a theft or burglary claim Make the police aware as soon as possible on 101 or 18001 101 for text phone users, if your claim is due to theft, riot, malicious acts or vandalism. Make sure you get a crime reference number. Prevent further damage to your property where safe to do so by making urgent repairs, such as turning off water from the mains supply, repairing locks that have been damaged or securing broken doors or windows. Find your policy number and have it to hand; check your policy schedule for this. Check your level of cover to make sure you’re covered for what you’re claiming for. First-loss policies are most commonly used
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The year 1976 saw the first surge of subsidence insurance claims. Four decades later, why is subsidence the forgotten peril. The subsidence story starts in the early 1970s. Although subsidence has damaged properties in the uk for hundreds of years, it simply wasn't a consideration for insurers as domestic policies offered no cover. However, with the boom in private home ownership in the early 1970s, mortgage providers thought this would be a useful addition to protect their position. Insurers were happy to oblige by adding a low risk 'nice to have' peril to policies, keeping their corporate customers happy. http://3b8.s3-website.ap-east-1.amazonaws.com/damage-loss-claim/index.html What is subsidence home insurance? Subsidence is caused by the undermining of the foundations of a property (usually caused by escape of water from underground pipes). Downward movement in the foundations can result in cracks in the structural walls of a building. Managing a successful subsidence claim is essential in restoring your home to a structurally sound state. However, subsidence claims can be very difficult to negotiate, and require dedicated professional representation with detailed insurance knowledge, to succeed. To establish if you have an admissible subsidence claim it is necessary to prove the cause and source of any cracks. This
read more →What about getting insurance after making a claim for subsidence?
As our summers get drier and winters wetter, subsidence damage insurance claims are becoming far more frequent. If your home has been affected by subsidence, you will be rightly concerned about the affect on its value and the inevitable disruption you face it’s an unfortunate fact that subsidence damage insurance claims can take months or possibly years to be resolved. As well as investigations to determine the full extent of the problem, there will also need to be remedial works such as underpinning and potentially internal repairs. As a consequence, you may even need to move out of your home. http://3b8.s3-website.ap-east-1.amazonaws.com/damage-loss-claim/index.html Subsidence is caused by the undermining of the foundations of a property (usually caused by escape of water from underground pipes). Downward movement in the foundations can result in cracks in the structural walls of a building. Managing a successful subsidence claim is essential in restoring your home to a structurally sound state. However, subsidence claims can be very difficult to negotiate, and require dedicated professional representation with detailed insurance knowledge, to succeed. To establish if you have an admissible subsidence claim it is necessary to prove the cause and source of any cracks. This requires a specialist investigation and engineers
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