Have a home insurance It gives some peace of mind to owners that they will be responsible for the expenses caused by certain domestic accidents and even those caused by strong storms. However, when the time comes to use them, they may find that some are not included in the policy or that the insurance company refuses to cover them. This is what happened to this man in the United Kingdom, whose roof was blown off his shed by a storm and whose insurance company refused to pay for the damage because the wind had not been strong enough.
According to information published by Okehampton Times, During a storm, strong gusts of wind tore off part of the roof of the shed located on the farm, also causing the house to be left without water supply and damaging the electrical wiring.
The roof flew into a nearby field
The strong gusts of wind during the storm were responsible for the roof of the shed flying into a nearby field after tearing off several wooden beams.
For the owner of the home and his wife, the situation was especially worrying because there were loose electrical wires that could cause an accident, and they had also been left without running water in the home.
When the husband contacted the company, they told him that they could not attend to the emergency because the meteorological data did not record winds strong enough to consider that it had been a storm.
“They refused to come and secure the area, even though I explained that there were loose electrical wires on the road,” lamented the owner.
Given the lack of assistance from their insurance, they had to find a solution on their own and looked for an emergency electrician to take care of the repairs, even though, in principle, their policy did have coverage for this type of emergency.
The insurance recognizes that the system to check weather conditions failed
After making the arrangements, the couple filed a claim with the insurance company, and that was when, after reviewing what happened, they discovered that they should have been covered. The problem was, as the company itself explained, that the program they used to check the weather conditions was not updated.
At the time the man first called to report the emergency, that system had not yet recorded the storm that had passed through the area and, therefore, there was no evidence of wind that could have caused the accident.
After a later update, it was confirmed that the storm had caused winds that reached 84 kilometers per hour, a speed sufficient for the damage to be covered by insurance.
The policy that the couple had taken out included the constructions attached to the home, so the shed and its emergency repairs were also covered.
The insurance company acknowledged that there had been delays and communication problems that were not justified, and they apologized to the owner and his wife.
“We understand that this must be a stressful time for him and his wife,” said the company, which admitted that the care received had not been adequate.
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After acknowledging the error, the insurer confirmed that it would process the damages and cover the cost of the electrician that the owner had had to hire. In addition, it asked its weather system provider to improve data updating to prevent something similar from happening again.