A legal expert reveals how many could be due compensation due to damages and disruptions caused by storms Isha and Jocelyn.
Civil Litigation Lawyer, Kevin Farrow spoke to personalinjuryclaimsuk.org.uk about how in some cases, even a neighbour’s home insurance policy can be used to cover damage costs.
Power Cuts
As storm Jocelyn continues to sweep across the UK wreaking havoc caused by up to 95 mph winds in some places, many of the nation’s areas are facing extensive power cuts.
Many people may be able to claim compensation resulting in a power cut caused by bad weather but there are limitations.
Mr Farrow says: “It is important to note that liability will not rest with your energy provider but the network operator. How much you receive will depend on how many homes were affected by the bad weather and how long the power cut lasted.
“If you find yourself without power, get in touch with your gas and/or electricity network operators to discuss fixing the problem and their compensation scheme.”
Vehicle Damage
In addition, thousands of vehicles have been damaged in the wake of the storms which has brought light to the fact that not all drivers will be covered by insurance.
“Damage caused by bad weather is usually covered under most comprehensive car insurance policies, however it is important that you check your insurance cover and the policy wording,” Mr Farrow adds.
“If you find yourself with a third-party policy, you may not covered at all for damage caused by bad weather. If you contact your insurer, they should be able to talk you through your coverage and the claims process.”
Who Is Liable For Damage?
Mr Farrow told personalinjuryclaimsuk.org.uk: “You may have a right of action against a third party person or organisation. For example, if a neighbour’s fence collapses onto your vehicle causing damage, you could make a claim via your neighbour’s home insurance policy.
It is important to note that in any situation, you should obtain evidence of the damage, and cause of the damage, before doing anything else. This includes taking pictures or videos before clearing/cleaning the incident.”