How To Make An Insurance Claim For Garden Storm Damage

After 'Storm Katie' has swept through the country many people are likely to be contacting their insurance companies regarding damage caused to sheds, greenhouses and fences. Robert Hall explains how GardenSite can help with an insurance quote and claim.

Created by Robert Hall on Monday, 28th of March, 2016.


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 similar to Storm Katie.

As a result of heavy rain and strong winds, Gardensite and my garden centres are receiving a lot of calls (Tel: 0121 355 7701) from people, regarding damaged property.

Based on experience this is my guide on how customers should go about making a claim with their insurance companies.

Garden Storm Damage

Damaged garden items usually include:

  • Greenhouse glass that has been blown out
  • Blown over garden fences
  • Wind damaged sheds and greenhouses
  • Up-rooted and damaged trees, shrubs and plants
  • Damage to garden buildings hit by tree debris

Insurers expect 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.

Are You Covered For Storm Damage?

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

When Should Your 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. 

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?

You can get a quote for a damaged shed, greenhouse, fence etc from our garden centres or Gardensite. We have over 60 years of independent and impartial experience selling all types of garden products. 

Call the storm damage quote team on 0121 355 7701 (7 days a week, between 9am and 5pm) if you require a free quotation.

Further Information

Prevent Stormy Weather Damaging Your Greenhouse

Greenhouse Insurance Quotation FAQ

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