Storm damage claims.
Roof, chimney, gable, boundary and outbuilding damage after a storm are common. So is the insurer arguing that the loss is really wear and tear. We argue the cause with evidence.
What this claim really involves.
A storm claim looks obvious to the policyholder standing next to a fallen tree or a stripped roof. To the insurer, the same damage sometimes reads as pre-existing wear and tear that a storm merely finished off. The evidence, weather data on the day, condition surveys and specialist reports, is what turns a disputed claim into a paid one.
Where storm damage claims go wrong.
The things we most often see mis-handled when a policyholder tries to run this type of claim on their own.
No cost. No obligation. We will tell you within one conversation whether this is a claim worth pursuing.
Start a free reviewCommon issues we see
- Roof damage rejected as wear and tear without proper condition survey
- Chimney and gable losses under-scoped on rebuild versus repair
- Boundary walls and fences excluded, then included, depending on the specific policy
- Outbuildings and garages missed in the initial scope
- Consequential water ingress claim run separately from the storm claim and settled short
What KBR Management does
- Gather Met Office data for the incident date to evidence storm conditions
- Instruct a roofing surveyor where condition is disputed
- Prepare a full scope covering primary damage and consequential water ingress in one claim
- Argue policy wording where the insurer applies a narrow interpretation
How to appoint us
Call an assessor on 0800 980 2230, or send a note through the free review form. Please include the property postcode and, if you have it, the name of your insurer and the policy number. We will read your policy, look at the loss, and tell you honestly where you stand.
There is no obligation to appoint us after the free review.
About storm damage claims
Answers to the questions we hear most often about this claim type.