The worst September storm seen for 30 years across England has devastated the lives of many. Over 400 homes and businesses have been flooded and insurers estimate the typical cost of repairing and refurbishing a flooded property is around £20,000. Paddocks had become lakes and the damage to recently sown crops will not be truly known until harvest time next year.
With winter approaching the recent floods are perhaps a stark reminder to take care of insurance matters before the bad weather hits. “These storms and flooding suffered by many are still very much to the fore, a cruel reminder as to the necessity of insurance and making sure that your policy is up to date, as many are not” says: Jean Arnott of H&H Rural Insurance Brokers
“At times like these, our first response is to help and support those clients who have suffered loss or damage – from shed roofs being blown off in Aberdeenshire to grain stores being flooded in Yorkshire. However we are finding that in increasing instances clients have made changes on their farms and land and we have not been informed. These changes may sometimes affect your claim.”
Notifying your Insurance Broker of any changes can ensure that any claims subsequently received for storm damage to the farm sheds and cattle courts are dealt with, without penalty. Some of the things that may have changed and that you need to tell your insurance broker about include:
- Any new buildings which have been erected
- Any extensions which have been added
- Any older buildings which have been removed
- Any new flooring which has been laid
- Any new electrics which have been upgraded or installed
- New side walls been built or panels erected
Sadly, adverse weather can also be the ideal cover for thieves as farmers are not necessarily going to be working all hours during storms. Farmers are reminded of the need to not only ensure buildings and equipment are safe and secure against wind and rain but also that machinery and tools are secure against theft as there has been an increase in rural break-ins.
Making the most of any enforced time indoors can be put to good use by taking the time to review your farm buildings insurance cover.
“With winter approaching the recent floods are perhaps a stark reminder to take care of insurance matters before the bad weather hits. If we get snowfalls as we did in the winter of 2010, farmers and homeowners need to be prepared”.
Taking care of your assets can be as quick as picking up the phone to talk to your Insurance Brokers. For more information about H&H Insurance Brokers contact 01228 406 290.
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