Soffit lifted in storm

MouldyOldDough

My soffit has lifted in places during the storm on Saturday. 
Is this something that my home insurance should cover? 

GrumpyDil

As long as they accept it is damage caused by the storm I would expect them to cover it. 

MouldyOldDough

GrumpyDil said:

As long as they accept it is damage caused by the storm I would expect them to cover it. 

I have reported it to them... 
I am concerned that rain will get under it
Even though it is under the roofline
Home emergency cover or normal policy? 

MouldyOldDough

on my policy it says on "home emergency cover"

"If your claim is for a roofing issue please be aware that all roofing repairs are temporary repairs designed to alleviate the immediate emergency and subject to access and weather conditions."

Does this mean that only a temporary repair will be  carried out ?

noitsnotme

The home emergency part is usually a quick temp fix only.  For example if a window was smashed they would board it up, not fix the window.  I’m not sure what a temp fix to a soffit would be though?  Maybe not covered by home emergency.

MouldyOldDough

I have emailed them - yesterday - no response yet

I tried an on-line claim but found that the process fails - it asks - "where is the problem located ?" - I respond "main property" it then asks "what type of emergency do you wish to report" - next box "fallen tree" (no more options)....

MouldyOldDough

noitsnotme said:

The home emergency part is usually a quick temp fix only.  For example if a window was smashed they would board it up, not fix the window.  I’m not sure what a temp fix to a soffit would be though?  Maybe not covered by home emergency.

I thought that home emergency would be for quick fixes such as securing soffit boards!! 

DullGreyGuy

MouldyOldDough said:

noitsnotme said:

The home emergency part is usually a quick temp fix only.  For example if a window was smashed they would board it up, not fix the window.  I’m not sure what a temp fix to a soffit would be though?  Maybe not covered by home emergency.

I thought that home emergency would be for quick fixes such as securing soffit boards!! 

You need to read your own policy to check what coverage you have. The intent of HE cover is to just fix the initial problem/prevent further damage but in some cases the fix will be all thats required (eg blocked drain). 


Were you to claim under Home rather than Home Emergency then you need to read the storm section of your policy. Most will have a definition of storm which local weather stations will have needed to record weather at or exceeding the level. The two reason why storm claims fail is either 1) they fail to meet the level of wind/rain or 2) when inspected turns out the item was already rotten to hell so its really a maintenance issue not storm 

MouldyOldDough

DullGreyGuy said:

MouldyOldDough said:

noitsnotme said:

The home emergency part is usually a quick temp fix only.  For example if a window was smashed they would board it up, not fix the window.  I’m not sure what a temp fix to a soffit would be though?  Maybe not covered by home emergency.

I thought that home emergency would be for quick fixes such as securing soffit boards!! 

You need to read your own policy to check what coverage you have. The intent of HE cover is to just fix the initial problem/prevent further damage but in some cases the fix will be all thats required (eg blocked drain). 


Were you to claim under Home rather than Home Emergency then you need to read the storm section of your policy. Most will have a definition of storm which local weather stations will have needed to record weather at or exceeding the level. The two reason why storm claims fail is either 1) they fail to meet the level of wind/rain or 2) when inspected turns out the item was already rotten to hell so its really a maintenance issue not storm 

Oh we had enough strong winds here (and still do.) to qualify under wind strength
And they are only 12 years old!! 

MouldyOldDough

OK I have heard from the insurance company

They want me to fill in a brief .DOCX and a corrupt .XLSX which surprised me

What would have happened if I didn't have Excel ?

I have told them that I cannot open the spreadsheet on my PC

I get the impression that they won't help

Its not the money - more the fact that I am unable to get anyone out locally to do the work - everyone is snowed under !

DullGreyGuy

MouldyOldDough said:

What would have happened if I didn't have Excel ?

Excel Online is free for everyone, just need a free Microsoft account. If your anti-microsoft then Google Workspace

If you prefer desktop apps rather than cloud you can use OpenOffice, LibreOffice.

All of the above can open XLSX and export to XLSX