When it comes to making temporary or permanent repairs to property damaged during the storm, clients need to be sure they are not compromising a potential insurance claim. Ensure you photograph the damage and retain all invoices and evidence.
Also it may take insurers some time to get through the backlog of loss surveys and claims. Do not panic if you have not heard from the insures immediately it may take 7-10 days for them to get out to you.
The below information was provided in a recent article in the Farmers Journal and applies to farms and general property claims.
Jason Byrne of Zurich said: “Immediate urgent repairs are in order and encouraged by Zurich to aid farmers to mitigate the storm damage and prevent further loss. However, before proceeding, there are a few things the farmer must do.
“The most important thing is to conduct a rigorous risk assessment to ensure it is safe to proceed. After this is done, then they should photograph the damage before beginning the work. Also, they should retain damaged elements for a possible follow-up inspection.”
When asked if snow caused the roof of a shed to collapse or if the ice has caused pipes and hoses in dairy parlours to burst would these types of issues be covered by insurance, Jason said: “If as a result of the storm a farmer has suffered damage to buildings or any other property, provided the customer has either storm or accidental damage cover in place on that building or item of farming equipment, then the claim will be assessed and deemed valid.”
Care as snow thaws
Jason also highlighted some of the key issues that farmers must look out for over the next few days. “Accumulation and weight of snow can cause damage to farm property and outbuildings. Exercise particular caution when entering farm outbuildings and sheds if there is any concern that they may not be structurally sound. If you see any sagging or hear unusual stressed noises, take extreme care and call a contractor – don’t climb on to roofs or work at heights to dislodge or remove snow.
Melting or thawing snow and ice can cause additional hazards such as flooding and electrocution
“Watch out for falling snow from roofs and ensure nobody stands underneath an area where snow could fall off in large amounts and cause an accident or injury.
“Melting or thawing snow and ice can cause additional hazards such as flooding and electrocution. Switch off electrics at the mains/fuse box if you think melting snow has leaked near electrics or electrical appliances. However, if the mains switch is wet or standing in water, do not touch it. Call a plumber and electrician.”
If you have any queries regarding a claim on your own property call our offices on 053 91 23630 or email email@example.com