Storm damage to roof

martin_j

During the week we experienced 65mm of rain in 24 hours which deluged the gully between our roof tiles and dislodged the cement causing flooding in one of our bedrooms. I contacted Admiral who told me storm damage is only applicable if we experience 25mm of rain in and hour which seems a bit excessive to me. I also have emergency cover to apply a temporary fix to make the property secure. 24 hours after reporting the event a contractor came out and spent 15 minutes looking at our problem but carried out no emergency repairs as he has to file a report before he can proceed. That was 24 hours ago but the insurance company still say they have no report and as its a bank holiday weekend I doubt we will hear anything until Tuesday when we are away on holiday. Meanwhile with the current forecast we could experience more water ingress and wonder who is libel for any further damage to our property? 

BarelySentientAI

martin_j said:

wonder who is libel for any further damage to our property? 

If it's covered by the insurance - them.

If it isn't - you.

martin_j said:

I contacted Admiral who told me storm damage is only applicable if we experience 25mm of rain in and hour which seems a bit excessive to me.

Quite normal.  Storm damage has to be because of an actual storm (by whatever definition is in the policy book), not just a bit of wind and rain.

martin_j

BarelySentientAI said:

martin_j said:

wonder who is libel for any further damage to our property? 

If it's covered by the insurance - them.

If it isn't - you.

martin_j said:

I contacted Admiral who told me storm damage is only applicable if we experience 25mm of rain in and hour which seems a bit excessive to me.

Quite normal.  Storm damage has to be because of an actual storm (by whatever definition is in the policy book), not just a bit of wind and rain.

I Think 65mm of rain that closed the local network and roads due to flooding is more than just a bit of rain.

BarelySentientAI

martin_j said:

BarelySentientAI said:

martin_j said:

wonder who is libel for any further damage to our property? 

If it's covered by the insurance - them.

If it isn't - you.

martin_j said:

I contacted Admiral who told me storm damage is only applicable if we experience 25mm of rain in and hour which seems a bit excessive to me.

Quite normal.  Storm damage has to be because of an actual storm (by whatever definition is in the policy book), not just a bit of wind and rain.

I Think 65mm of rain that closed the local network and roads due to flooding is more than just a bit of rain.

Yes, but is it technically a storm according to your insurance policy wording?

sjones12121994

martin_j said:

During the week we experienced 65mm of rain in 24 hours which deluged the gully between our roof tiles and dislodged the cement causing flooding in one of our bedrooms. I contacted Admiral who told me storm damage is only applicable if we experience 25mm of rain in and hour which seems a bit excessive to me. I also have emergency cover to apply a temporary fix to make the property secure. 24 hours after reporting the event a contractor came out and spent 15 minutes looking at our problem but carried out no emergency repairs as he has to file a report before he can proceed. That was 24 hours ago but the insurance company still say they have no report and as its a bank holiday weekend I doubt we will hear anything until Tuesday when we are away on holiday. Meanwhile with the current forecast we could experience more water ingress and wonder who is libel for any further damage to our property? 

In this case, you should document everything. First, check  the damage. Then, your communications with the insurance company. Make sure to report the lack of immediate action by the contractor. If more damage occurs due to the delay, the insurance company may be liable. However, it’s best to check your policy details and consider contacting a lawyer to understand your rights and options. You might also want to arrange temporary repairs yourself to prevent further damage.