Advice: Dealing with the insurance fallout from Storm Emma

The recent Storm Emma and the snows that came before and after are still visible in some corners of the country. They are a reminder of the weather-related difficulties that farmers have faced and continue to face.

Property owners need to consider their positions when it comes to insurance for damage caused by extreme weather and what they should do if they find themselves the unfortunate victim.

If as a result of the storm, a farmer has suffered damage to buildings or any other property, provided the customer has either storm or accidental damage cover in place on that building or item of farming equipment, then the claim will be assessed and deemed valid.

Flooding

Melting or thawing snow and ice can cause additional hazards such as flooding. For those concerned about the location of their property and its proximity to flooding, the first step is to assess whether there is a real risk of flooding in the future.

The Office of Public Works provides access to a database of areas which may be at risk of flooding.

It is worth logging on to floodmaps.ie to assess the likelihood of this issue in the future. If you feel your home or your property may be at risk of flooding, you should your home/property insurance broker/provider to find out what your current level of cover is for flooding.

You should check exactly what is covered – for example, if your home is flooded, will your policy pay for alternative accommodation while your home is being repaired?

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