Home Insurance Has This Happened To Anyone Else

lisyloo

It may be worth getting a quote.
If you make a claim then your premium will probably double next year and you will have to pay the excess. You may also find subsequent years premiums also increase (but at a lesser rate).

If it's a few hundred quid then usually it's just better to pay it.

a11waysindebt

Another thing to look at here is acting as if you were not insured.

Have you tried to limit any further damage to property.

reeree

yes weve tried to do what we can

delluver

reeree wrote: »

has anyone try to claim on there buildings insurance because tiles have blown off the roof during a storm and been told by the buildings insurance the wind wasnt strong enough on that night, apparently it has to be 54 miles an hour and for our area on that night the average wind speed was 48 miles an hour, thanks in advance

lol, no way?!

cwilso11

This sounds like you've been fobbed off, i'd go back to your insurer and request a visit from an adjuster to establish the cause of damage. The exact wind speed is irrelevant and as for the 54 miles an hour thing... who the HELL told u that.

Insurers usually check WEATHERNET which confirms the exact conditions at your postcode on the date/time of loss. This will either confirm Storm conditions on the day in question. However, an adjuster can confirm if your roof is in good condition and whether the tile has dislodged in a gust..

The only thing you didnt mention was the actual damage caused apart from the broken tiles. It might not cost much to get this fixed anyway unless water has got in.

tinker15

Please go back & insist on an adjuster as that is the most bizarre excuse I have heard. I have previously worked for an insurance company & have read various claims, yours certainly sounds feasable.
You may have been unfortunate to have spoken to a "newbie" who had little experience.
An insurance company is only as good as how efficiently and quickly they pay claims!
I think that paymentshield have their policies underwritten by a major Insurance company, so I would perhaps read your policy to check.
Good Luck

FlameCloud

With respect, it is no unreasonable.

The only possible peril to cover the claim under would be Storm, and under FOS guidelines more and more underwriters are defining it in policy booklets. The majority are around this windspeed.

You dont have a right to an adjustor- it is up to the policy holder to prove their claim and dispute it as the insurers would use systems like weathernet to give them the windspeed.

samuela66

reeree wrote: »

has anyone try to claim on there buildings insurance because tiles have blown off the roof during a storm and been told by the buildings insurance the wind wasnt strong enough on that night, apparently it has to be 54 miles an hour and for our area on that night the average wind speed was 48 miles an hour, thanks in advance

Well i put in a claim for my roof after a particularly bad storm and there was water pouring through my bedroom ceiling, the quote was £250ish, a few years back now, when i called about making the claim what do i do etc... the guy says well to be honest its not worth it, you pay the first £100 lose your no claims n all that, so i paid myself and the *****s still put my insurance up like i'd made a claim there answer was well there was something wrong with your roof...........................:mad: , needless to say never renewed with them

raskazz

I think the reason that the figure of 54mph was quoted is that the generally accepted meterological definition of 'a storm' requires that wind speed be 10 or more on the Beaufort scale - which is around 54-55mph.

48mph only falls into the 'strong gale' bracket.

Of course, whether it is reasonalbe to reject a claim on these grounds is another matter entirely!

reeree

ive phoned them back up and spoke to someone different and shes told me to get a quote which ive done £580 and send it in, i know it dosent guarantee they will pay up but its a step up from the other day