How to make a claim after winter weather damage

YOUR CONSUMER RIGHTS CHAMPION

- MARTYN JAMES

Storm damage can mean you can't stay in your property

It's that time of year again when the UK is increasingly being battered by storms, floods, snow and other weather-related incidents. I know the impact of weather worries readers, so if you do need to make an insurance claim, here's my guide to all you need to know.

Insurance companies are relatively quick to begin investigations when there is significant damage as a result of a storm or bad weather. However, if lots of people in your local area are affected, this can have an impact.

Your insurer will initially send out a loss adjuster to assess the damage and the repairs that need to be carried out as a priority. The loss adjuster will also provide a report laying out the subsequent repairs that will be required at a later stage.

If you disagree with the assessment of the loss adjuster you should complain to the insurance underwriter as soon as possible.