Phew! What a week in the insurance department!
In a week which began with some of the stormiest weather we’ve seen in years our Insurance Manager, Nicola, offers advice and wise words.
- Your fences, especially if they are wooden, are probably not covered: obviously individual policies vary considerably but if this is important to you check with your insurer.
- If a tree falls from your garden causing damage to someone else’s property, you could be liable for any damage, might be a good idea to get any large trees checked by a qualified person.*
- If you make a frozen food claim because the electricity was off, remember to keep the wrappers until the insurance company says you can dispose of them. I know! Yuck! Most insurers are not that pernickety but be on the safe side.
- Take photos of any damage and don’t clear up or make good until you have been told it’s OK by your insurer.
*A bizarre but true one: I once had a claim because a tree belonging to a Parish Council had fallen into a neighbouring field, in which there was a donkey. The donkey ate some of the leaves and died, the neighbour believed that the poisonous leaves had caused the donkey s death. We ended up with an autopsy on the dead donkey – luckily the leaves turned out to be harmless and poor old Ned had died of old age but you can see how these things escalate!