STALYBRIDGE TORNADO: Insurers tell people hit by freak storm their homes will be covered

The trade body representing British insurance companies has assured home owners hit by freak 80mph winds that damage will be repaired under their existing insurance policies.

The Association of British Insurers (ABI) says damage caused by tornados and storms is covered by standard property insurance policies.

ABI advises anyone affected:

• Do not put yourself at risk, by attempting to check the damage.
• Follow the advice of the local authority and emergency services.
• Contact your insurer for help and support. Once it is safe to do so they will arrange inspection of the damage.
• If your home is deemed unsafe and uninhabitable, your home insurer can arrange and pay for any temporary emergency alternative accommodation that may be needed until you are able to move back. They may also be able to make any emergency payments.

For businesses, commercial policies will cover storm damage. Some policies-either as standard or as an add on-may cover the cost of hiring any alternative temporary trading premises, while your damaged premises is being repaired.

Comprehensive motor insurance covers storm damage.

ABI spokesperson Malcolm Tarling said: “Insurers expect and are ready for any form of bad weather, such as tornado force winds. When bad weather strikes, their priority is always to help and support their customers recover as quickly as practical. Anyone affected should contact insurer for advice.”