As storm season approaches, we have all become accustomed to the now-familiar list of new names devised for low-pressure systems and the potential for inclement weather. With the risk of damage to homes and property, we have put together some practical advice for policyholders across the Channel Islands and the Isle of Man to help them prepare.
Climate change is widely recognised as contributing to changes in storm patterns and the risk of extreme weather. News reports regularly highlight the damage storms can cause around the world, but severe weather is also an unavoidable part of life in the Channel Islands and the Isle of Man.
The good news is that a little preparation and some simple precautions can go a long way towards protecting your home and giving you greater peace of mind.
Check your cover
It is important for policyholders to review their cover to avoid what is known as underinsurance.
This includes checking the total sum insured together with contents cover. If a customer experiences significant damage, replacing everything after a major incident can be expensive and the full cost of rebuilding a property should also be reflected in the policy.
Policyholders who have not reviewed or updated their insurance for some time may assume their existing cover will be sufficient. However, underinsurance could leave them significantly out of pocket if they need to make a claim.
Keeping an inventory of household belongings, including their approximate value, is good practice at any time, not just in preparation for storms or flooding. It can help policyholders choose the right level of contents cover and speed up the claims process if damage or loss occurs.
It is also important to keep the insurer’s emergency contact numbers readily available in case a claim needs to be made.
Before the storm
One of the best precautions Islanders can take is to inspect and maintain their property regularly. A walk around the property can help identify potential problems with roofs, gutters, aerials, walls, fences and gates. Gutters and drains should be kept clear to help water drain away effectively.
With their extensive coastlines, the Islands can experience heavy rain, coastal flooding, storm surges and high winds, as well as occasional power cuts. However, a property does not have to be directly on the coast to be affected by severe weather.
Other precautions include securing outdoor furniture, sheds and greenhouses, along with almost anything else that could become airborne!
Extra precautions
If the forecast is for severe weather, Islanders are advised to follow local news reports and warnings and take a few extra steps. External doors, windows and shutters should be closed to reduce the risk of injury from flying glass and valuables; furniture and electrical equipment are located away from areas prone to water ingress and windows.
Vehicles are to be parked in a garage, if available or away from areas at risk from flooding and also a safe distance from trees, fences and walls.
Other practical suggestions include keeping a battery-powered torch, spare batteries, a first-aid kit and essential supplies readily available and bringing pets indoors.
During the storm
The Island authorities may request that unnecessary journeys are avoided and provide official advice and updates on road closures and coast access. Residents are advised not to attempt repairs at height or venture outside to secure items once dangerous winds have started.
If water enters properties, customers are advised to avoid contact with electrical equipment and sockets in the affected areas.
After the storm
Once conditions allow, policyholders can inspect their properties for miscellaneous damage, including broken windows, missing roof tiles, damaged roof coverings, fallen branches and damaged fences. Temporary repairs can be arranged to prevent further damage, such as protecting a broken window or covering a damaged roof, but only if it is safe.
In the event of a claim, customers should take videos and pictures of damage before contacting the insurer and following the claims procedure.
If an extreme event whereby the property is rendered unsafe or uninhabitable, customers should contact their insurer to discuss any available alternative accommodation cover.
Regular property maintenance, a review of home insurance and a clear plan for what to do if damage occurs can help protect homes, belongings and, just as important, peace of mind.
Services offered
Insurers are generally well-versed in supporting policyholders.
Rossborough is part of Gallagher, one of the largest insurance broking groups in the world, and offers a wide range of products to suit. Our team of specialists is here to help existing and new policyholders protect their homes and offer support if they are affected.
Contact details
Jersey: 01534 500500
Guernsey and Alderney: 01481 241555
Isle of Man: 01624 631631
Email: personal@rossboroughgroup.co.uk
Other information can be found on our website
For claims
Jersey: 01534 500599
Guernsey and Alderney: 01481 241555