STORM DAMAGE & BUILDING DAMAGE CLAIMS
Storm Damage Insurance Claims – Roof wind damage – Chimney damage insurance claim
Claims Assist Loss Assessors can help you recover from unexpected storm damage & roof wind damage and claim for your insured costs and expenses along with providing specialist repair contractors to do the works. Storm damage is unexpected and in Ireland it is something that is frequently experienced. If you experience storm damage in your home or commercial premises you will often be required to carry out emergency storm damage repairs, in order to prevent further damage to the property.
Expert advice and assistance when dealing with storm damage repairs
Storm damage is often structural damage caused by gale force winds which can result in flooding and rain water accessing the property. Unfortunately, damage can occur as a result of wear and tear (particularly to flashings and flat roof coverings) and this is not ‘storm damage’ and is therefore excluded from the cover provided by the insurance policy. Similarly, damage to gates and fences is excluded. Sometimes water can overflow from roof valleys or blocked outlets in parapet walls, and the resulting damage can be covered under the escape or overflow of water peril. Storm damage can lead to water damage causing collapsed ceilings, damaged floors and decoration, and can be expensive to repair.
How best to make a storm damage claim.
It is important to have the roof examined by a competent roofer to determine the extent of repairs necessary as a result of the storm damage. A roofers report will be required to support your claim and it is best if photographs can be taken before any emergency storm damage repairs are carried out so as not to prejudice your position. Its best to discuss the issues with Claims Assist experts first.
1890 929 555
Claims Assist offer professional advice to you and there is no obligation following a free initial consultation to assess your loss or damage. ‘Contact us’ and one of our experienced Claims Assist Loss Assessors will discuss the issues with you to see how we can help you with your claim and ensure you get a maximum payout. Call us now on 1890 929 555
A minor piece of storm damage such as a missing slate might seem unimportant, but if left unattended it could cause damage, decay, mold and rot to the roof structure, along with ceilings, walls, floors. Do not delay, if in doubt give Claims Assist a shout!
We are building and construction professionals along with being registered to undertake insurance mediation by the Central Bank of Ireland by as the Irish Financial Services Regulatory Authority.
Chimney Damage and Insurance Claims
Faulty chimneys are the most common cause of serious loss, damage and expense to homeowners. The chimney and fireplace installation is the part of the home that usually suffers the most stress from fire, wind, rain, lightning, storms and extremes of temperature varying from -16° Celsius in cold winter weather externally to internal flue temperatures reaching 1100° Celsius.
In between these extreme variations in temperature your chimney and fireplace installation will inevitably have to deal with the serious effects and sometimes damage caused by expansion and contraction along with thermal shock caused when a structure or material is heated or cooled too rapidly. Boiling water at just 100° Celsius can cause a glass to crack, so it is understandable to find that a chimney flue liner and stack may crack at 900° Celsius if subjected to rapid temperature change or fire surge.
Just because you find that your chimney is damaged it does not automatically mean that you can claim for repairs under your home insurance policy, for example damage caused by wear and tear is not covered and neither is damage resulting from faulty workmanship or faulty design.
You may not notice your chimney is damaged until it is too late to make a claim. Some insurers state that a claim must be made within 28 days of the incident leading to the damage and if the damage looks older (e.g. some cracked chimneys) then they simply refuse the claim based on late notification.
What can you do when you need to make a building insurance claim?
Our best advice is too call us immediately on our Nationwide number 1890 929 555 for free advice/consultation without any obligation.
Our specialist contractors can carry out Chimney CCTV Surveys for Insurance Claims, Chimney Repairs, diagnose the Chimney Problems and find the best solution.