Home and motor car insurance claims spike from weather

The number of home insurance and motor car insurance claims have ballooned over the past few days, brought on by sudden extreme weather conditions.

Home and car insurance companies have been scrambling to keep up with the increased volume, with AA Insurance remarking that customer calls have grown by 200 per cent over what would be expected from their claim lines during this time of year. Roofing claims have been reported 12 times more than expected, according to AA Home Emergency Response, and the AA’s discount car insurance division also reported a massive increase in claims numbers for storm-damaged vehicles.

Simon Douglas, director for AA Insurance, said that cars are all too susceptible to storm-tossed debris such as flying tiles.  Mr Douglas also said that the ability to claim vehicle damage from a neighbour if a flying tile from their home smashes into our own care is a common misconception, as the only way this would be applicable is if you can prove poor maintenance on your neighbour’s part – otherwise you’ll be claiming from your own insurer.

Damage from falling trees is handled in the same manner, the insurance director warned.  Unless there has been a previous identification of being dangerous, a tree on your neighbour’s property is your problem, not theirs, Mr Douglas commented.

Mr Douglas additionally issued warnings against trying to drive on flooded roads, as standing water can be especially dangerous.  He did acknowledge that it can be hard to sometimes tell a road service that is only slightly wet from one that is flooded by several inches, especially while driving in the evening, but flooded roads can cause substantial damage that can be invisible to the naked eye.

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