Home insurance Updated:
The storm that battered much of the midlands and southern England on Monday took its toll, with thousands of households being left without power, commuters being stranded and a huge number of homes suffering damage as a result of high winds, flooding and driving rain.
But just what can you do if you've been affected?
Claiming on your home insurance will be at the top of the agenda, and luckily these policies have been specifically designed for just this type of occurrence. There should be no "act of God" get-out clauses and, if you've got a suitable level of cover, you should have no problem making a claim to help you get back to normality. Here are a few tips to get you started:
And, if your home is still at risk of flooding, make sure to take all necessary precautions – keep valuables and electrical items upstairs or in high cupboards, store important documents in a watertight bag and make sure any outdoor furniture is safely restrained, thereby preventing adding to your claim.
You may not realise this, but if you've been without power for 24 hours or more as a result of the storm you could be entitled to compensation. The amount you could get will depend on how long the power cut lasted for, and you can get the process started by writing to your regional electricity or gas distributor with the reason and dates you were affected.
But, you should bear in mind that the regional distributor may not be the same as your usual energy provider – to find yours, consult the Energy Network Association.
Commuters that were left stranded with unusable (and often expensive) tickets will be pleased to hear that they can usually claim back the cost.
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