Does 'Storm' include snow damage?

chambta

The ridiculous levels of snow will have left my house feeling a little sorry for itself by the time it's receded.

Already I can see one roof tile hanging off the back with a foot of snow on top, guttering buckled front and back and the soffits hanging off under the weight of snow.

My Churchill B&C policy makes mention of being covered by 'Storm' under the buildings side but nothing specific about snow.

Any ideas whether it will cover me should I decide to report it to them? If I call them to ask they'll no doubt record it as an incident even if I take it no further than the phone call.

huckster

A previous thread should answer your question.

https://forums.moneysavingexpert.com/discussion/2220493

chambta

huckster wrote: »

A previous thread should answer your question.

https://forums.moneysavingexpert.com/discussion/2220493

Shysters

fazer1000_2

Its a shame but Insurance is one of the last legal forms of robbery.

My friend was (and still is) employed by NU, her job? Well every time a claim was made it was her job to find absolutely any way at all in which not to pay out. They employed a lot of staff to do this, their only task was to make sure the company does not pay out.

chambta

fazer1000 wrote: »

Its a shame but Insurance is one of the last legal forms of robbery.

My friend was (and still is) employed by NU, her job? Well every time a claim was made it was her job to find absolutely any way at all in which not to pay out. They employed a lot of staff to do this, their only task was to make sure the company does not pay out.

It's arguable that snow comes from the result of a 'storm'.

I doubt it's worth claiming anyway but damage resulting from snow had never crossed my mind.

fazer1000_2

Wonder what their definition for "Act of God" is.

In a thunder storm if your house is struck by lightning is that an act of god or are we only talking about when your house is swamped by a swarm of locus?

huckster

Chambta

The only way you will find out whether any claim would be successful is by discussing with Churchill.

Claims are always subject to individual consideration.

I do remember reading that some Insurers did pay out for snow damage to properties, caused by the weight of snow.

Before you submit, you should take some pictures of current situation and get a couple of roofers/builders out to provide written quotes, which should include their opinion as to the cause of the damage. With this information, you can then decide what to do, having also worked out what the costs of this are for you e.g. excess and likely premium increase.

Quote

fazer1000 wrote: »

Its a shame but Insurance is one of the last legal forms of robbery.

My friend was (and still is) employed by NU, her job? Well every time a claim was made it was her job to find absolutely any way at all in which not to pay out. They employed a lot of staff to do this, their only task was to make sure the company does not pay out.

coughbullshitcough

fazer1000_2

Quote wrote: »

coughbullshitcough

thats a nasty cough you have but that is her job and that is what she does

mikey72

I thought that was in the job description of everyone there.

huckster

I think we should leave the thread to be about whether snow damage is covered. Posts that are off topic, won't help anyone reading the post at a later date.

ALL Insurers have staff that will investigate claims further when required, to see whether they can be settled or if not the grounds for not settling.