Storm Darragh. Freezer contents claim.

Marvel1

SAC2334 said:

Insurance companies may well refuse it on the grounds that Storm Darragh did not fulfil their criteria of what is a storm as the wind speed which the Met Office published as gusting up to 53 mph did not reach their policy speeds as over 55 mph
There was a report in the news on Wednesday about someone's roof tiles blowing off being refused because wind speed was less than 55 mph.
Definitions of a meteorological  storm is when the low  pressure system has dropped 24 millibars and does not rely on just wind speed but insurance companies will have their own definitions in the small print I presume .

Suppose depends where you are in the country

https://www.bbc.co.uk/news/articles/cwy3342wdwxo  

Extreme winds from Storm Darragh have ripped the roof off a chapel while causing power cuts to about 95,000 properties across the country.

A red Met Office weather warning, external - the highest level - was in effect between 03:00 GMT and 11:00 GMT in 13 counties with dangerous and perhaps life-threatening conditions predicted, but no serious injuries have yet been reported.

It caused widespread damage and travel disruption, including the closure of the runway at Cardiff Airport on Saturday morning.

Strong gusts hammered the coasts and hills with the Met Office recording winds of 94mph (150 km/h) at Capel Curig in Conwy county at 08:00.

Marvel1

p00hsticks said:

We certainly had 70mph+ gusts recorded over on the north east coast, and we were only in a yellow warning area.....
Far worse that they had forecast on this side of the country, with many fallen trees....

Sure my area was a red warning.

DullGreyGuy

mikrt said:

Remember people, this isn't insurance claim. It's off the electric company 😉👌

Appreciate that however given the rate has been challenged by many (you won't find it in a policy book etc) then it's a reasonable litmus test anyway. 

I used the rate when suing JL for a defective freezer and they paid it. 

mikrt

DullGreyGuy said:

mikrt said:

I'm not sure how much to claim, should I just pick an estimated amount (NOT wanting to take the P***) of say £200, or use the bill for replenishing do you think.

In the insurance world most will have a per litre of capacity of the freeze price that they pay for spoiled food if the freezer are full of batch cooked meals etc which obviously dont have an RRP. For those covering a range of customers they may have an Aldi, Sainsbury's and M&S Foods price per ltr. 

Sum is fairly simple, Capacity x % utilisation x Rate. 

When we had a claim we used £1.30 per L which would be at the higher end of the spectrum 

In the claim submitted this morning, I quoted the makes and capacities for fridge & freezer. In the end I entered £250 for combined contents.

mikrt

FreeBear said:

mikrt said:  I had to ditch the contents of freezer in my works skip, and tomorrow will be refilling it.

I'm not sure how much to claim, should I just pick an estimated amount (NOT wanting to take the P***) of say £200, or use the bill for replenishing do you think.

How do you put a value on a face you haven't seen for ages...

Sorry, not sure I understand?.....

MWT

mikrt said:

I did read previously that freezer contents aren't covered, but I received a text from them, specifically mentioning to claim for food and hotel (we stayed home) after power was restored last night.

This is for food costs for eating away from home, not for the freezer contents as far as I am aware...

Do let us know how the claim goes though as most if not all of the DNO's expect you to claim freezer contents on your home insurance (and that will require proof of what was lost of course).

mikrt

MWT said:

mikrt said:

I did read previously that freezer contents aren't covered, but I received a text from them, specifically mentioning to claim for food and hotel (we stayed home) after power was restored last night.

This is for food costs for eating away from home, not for the freezer contents as far as I am aware...

Do let us know how the claim goes though as most if not all of the DNO's expect you to claim freezer contents on your home insurance (and that will require proof of what was lost of course).

Thank you, it is for freezer food 👍

mikrt

text messsge I received after power restored, links to page below 👌

MWT

mikrt said:

text messsge I received after power restored, links to page below 👌

Has to be worth trying given they have specifically listed 'freezer losses'...

mikrt

MWT said:

mikrt said:

text messsge I received after power restored, links to page below 👌

Has to be worth trying given they have specifically listed 'freezer losses'...

Exactly where I'm at 😊

I wasn't expecting anything for the contents, but I've nothing to lose. 👌