How To Make An Insurance Claim For Garden Storm Damage

With high winds increasingly affecting most parts of Britain, many people are likely to be contacting their insurance companies regarding damage caused to sheds, greenhouses, fences and other garden property. Robert Hall explains how GardenSite can help with an insurance quote and claim.

Created by Robert Hall on Monday, 28th of March, 2016.
Updated on Friday, 24th of February, 2017.


How To Make An Insurance Claim For Garden Storm Damage

I have been working in the garden industry for over 40 years and during that time we've had plenty of bad weather. As a result of heavy rain and strong winds, GardenSite and my garden centres receive a lot of calls from people regarding insurance claims.

Damage Prevention

Based on experience this is my guide on how customers should go about preventing damage to their property and, if the worst happens, how to make a claim with their insurance companies.

Greenhouses

Due to the amount of glazing, greenhouses are clearly very vulnerable so, when locating a greenhouse, make sure it is not in an exposed position. Ensure that the greenhouse has a secure level base and this in turn has firm foundations. Site your greenhouse at right angles to the prevailing wind so that the wind goes over rather than through it.

Glass that has been blown out is the major problem. Check whether all the panes are fixed securely, replace any broken or missing ones and make sure that clips are all in place and any sealant is still viable.

Shut all doors and vents, so that wind can't funnel through the greenhouse and blow the glass out from the inside.

Remove anything from the garden that is likely to be blown against the glass such as toys, hanging baskets, furniture and ornaments, and check the stability of adjacent tree branches before they come crashing down.

Sheds

Although there is of course a lot less glazing, guidelines for the prevention of damage are similar to greenhouses.

Perhaps the most important is making sure that the shed is securely fixed to a strong base or foundations. Don't leave the door open, as the roof can easily be torn off or the whole shed can sail away in a gust of wind if it is not secured properly. Check the glazing and replace any defective clips or putty.

Fencing

To ensure your fencing remains in place, it is important to use good quality fence posts. Make sure they are sunk deeply into the ground and well secured.

Carefully check all posts for damage when making a claim, as they may have suffered splitting or damage which may not be easily seen.

Gates

When not properly shut during high winds, gates can swing open, damaging the gate, its hinges and the gate post. So ensure all your gates are shut and locked.  

Making A Claim FAQs

Most household and business policies cover flood and storm damage up to a specified amount.

When Should You Contact Your Insurance Company?

You should contact your insurer as soon as is possible. Most operate a 24/7 helpline enabling you to tell them what has happened. Insurers expect this to happen after a big weather event and should be able to deal with your claim fairly easily. The great storm of 1987 cost insurance companies £2bn and the floods of 2007 set them back more than £3bn.

When Should I Get Repair Work Done?

Your insurer will usually advise you to go ahead straight away with repairs, especially if it means preventing further damage. However always check with your insurer first. It's always a good idea to take lots of photographs of the damage, as you may be asked to send these to your insurer, and remember to keep any receipts.

Who Will Assess the Damage?

If the damage is large scale or serious enough, the insurance company will send a loss adjuster. Once they have visited your property, they will provide a timetable for the repair work and tell you who will be doing it.

Who Can Give Me An Insurance Quote?

Our Garden Centre Greenhouse team can help you put together a FREE Insurance Quote for your insurer, which can be emailed to you or posted. You can call our store damage team 7 days a week (9am - 5pm) on 0121 355 7701 or email helpdesk@gardensite.co.uk

If you want to do it online, simply follow these easy 5 easy steps:
1. Find a Greenhouse and/or Accessories on www.GardenSite.co.uk 
2. Add them to your Shopping Basket
3. Click the “Insurance Claim Quote” button in the Shopping Basket (right hand side)
4. Fill in your contact details
5. You will be issued with a quotation reference and receive your quotation by email

Further Information

Prevent Stormy Weather Damaging Your Greenhouse

Top Tips To Prevent Autumn Storm Damage

Greenhouse Accessories And Spares

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