Storm or lightning damage to domestic, and commercial buildings, and their contents

With climate change the incidence of storm damage and its severity is increasing. Storm damage to buildings and their contents can occur following sustained high winds, isolated strong gusts, and vortexes and is often combined with torrential rainfall. Lightning is a naturally occurring phenomenon generated in electrically charged storm systems. Lightning may appear spectacular, but can cause devastation to buildings and their contents.

Damage to roofs, chimneys, walls, and the fabric of buildings and their fixtures by the force of the gusts or the lightning strike is typical followed by rapid ingress of rainwater into a building causing damage to its contents.

For insurers to accept a claim they will need to be satisfied that storm conditions were prevalent at the time of the incident and were the cause of damage. Most policyholders need expert help dealing with storm or lightning loss insurance claims. As highly experienced loss assessors we deal with claims for storm or lightning damage to houses and commercial buildings such as shops, factories, and offices. Acting as your loss consultant we offer advice and guidance and specilaise in the handling of storm and lightning claims. We are both insurance claims managers and claims processors and have knowledge of the wind speeds and rain conditions used by insurers to determine a storm and have access to official weather records to support storm or lightning claims.

 

The Claims Consultancy has extensive experience as to the types and nature of damage that insurers will accept as storm. It is vital that a storm or lightning damage claim is correctly presented by a loss assessor to avoid misinterpretation by insurers who often seek to decline storm claims as maintenance when in fact an insured peril has actually occurred. The Claims Consultancy has expert knowledge of insurance claims management and we ensure that our clients have the greatest likelihood of their storm or lightning claims being accepted.

Immediately following storm or lightning damage The Claims Consultancy Loss Assessors can assist with the arrangement of emergency repairs to make the building safe and watertight and to ensure that mains services are safely terminated or resumed.We assist all our clients by preparing a schedule of the loss and by negotiating settlement with insurers or their loss adjusters on your behalf.We will guide you in obtaining appropriate replacement /repair estimates and valuations where necessary.

Storm or lightning damage that may initially appear minor can affect the structural integrity or performance of a building. The Claims Consultancy has extensive experience of these matters.Where appropriate we engage associated structural engineers to comment on the cause and extent of damage and offer their expert opinion on remedial works required.

Your insurers are likely to appoint loss adjusters or claims handlers to deal with your claim but this is to protect their own interests.These representative's operate under heavy workloads and your claim cannot be given the focus it deserves. Adjusters and Insurance Claims Inspectors do not prepare your claim, they adjust the claim you submit. Other expenses may be recoverable of which you are unaware. If you prematurely agree a claim with insurers it may be too late for them to subsequently reconsider additional items.

Insurance policy wordings are complex and difficult for a policyholder to understand. An insurer or his representative have the advantage and will often attempt to construe the wording in their favor as opposed to the policyholders. As your public loss assessor The Claims Consultancy understands the policy wordings and have the knowledge and experience to redress the balance and ensure that your storm or lightning claim is given the fullest and fairest consideration by insurers that it deserves.

It is therefore essential that you are represented by your own professional loss assessor as soon as possible after storm or lightning damage is discovered to ensure the claim is properly and accurately presented and you receive the maximum benefit under the policy.

Benefit from of our 25 years experience of handling storm and lightning damage claims
Call The Claims Consultancy Loss Assesors now ! 07970 380 111