Get ready for the storms
With large areas of the UK still recovering from Hurricane Eunice and Hurricane Franklin, insurance expert Kevin Pratt of Forbes Advisor shared his tips on how to deal with storm damage and how people can prepare for more extreme weather:
When a storm – in this case Franklin – is in the forecast, it’s a signal to make a few checks around your property and take precautions to minimize the risk of damage.
But above all, be realistic. Resist the temptation to climb the roof looking for loose shingles or antennas, or checking and cleaning gutters – that’s a job for the pros. If you spot something troubling from the ground, check to see if a contractor is available as soon as possible, but don’t put your safety at risk.
Eunice traveled east across the country, so the prevailing winds were from the west. This meant that the east-facing walls had to provide at least some cover.
Check gates, fences, trees and bushes
Lock gates and secure loose panels where possible. See if you can safely remove damaged branches that look vulnerable to windy conditions, but always approach such tasks with safety in mind, especially if it involves using stairs, climbing, or using powered equipment.
Also keep in mind that some trees, including those on private land, can only be removed with the permission of local authorities.
Secure loose items
If you have a garden or balcony, is there anything that could be blown away or damaged? These can be children’s toys and equipment, such as a trampoline, your barbecue, tools and garden furniture. It might also be worth moving the window boxes to the floor until Franklin disappears.
You should also move trash and trash cans out of the wind’s path if possible, or make sure they are full and heavy enough not to be blown away.
close the windows
For example, if you regularly open your bathroom window, close it when a thunderstorm approaches to keep it from flying open and damaging it.
Respect your pets
Your pets probably won’t want to go out in a storm, so exercise them ahead of time if you can. They may also be upset by noise, so be prepared to comfort and reassure them.
Keep things close at hand
It is worth having a flashlight, candles, matches and a fully charged phone on hand in case of power outages. In the unlikely event that you may have to leave home in a hurry, make sure you have essentials such as suitable clothing and footwear, as well as any necessary medicines.
Kevin Pratt, insurance expert at Forbes Advisor, says Storm Eunice and Storm Franklin could herald some busy days for the insurance industry: damage. and loss of things.
“In the event of damage, it is important to contact your insurance company immediately, so remind yourself whether your policies are in a folder or on your computer. And as a record, it is worth taking a photo or video. Do not proceed with a major renovation or hire a contractor until you have discussed the situation with your insurance company – they may have their own network that you can use.
“Don’t throw anything away, again, until you have settled everything with the insurer.
“If staying on property is dangerous, your insurance may cover the cost of temporary residence.”
“Home insurance is really showing its value after the storm. If your property remains uninhabitable, your building insurance policy may cover the cost of alternative housing. You may even be able to claim reimbursement for the cost of placing your pets in a kennel or kennel if they cannot travel with you.
“This is your property insurance that will cover the cost of replacing items such as furniture and other property. Building insurance covers structural damage.
“If you are renting, your landlord must insure the building. Contact them as soon as you can so they can give you help and advice.”