Due to the recent weather, we may be experiencing an increase in our call volumes.
We value all our 123.ie customers and would like to assist all our customers immediately. We hope you understand that we need to speak to the customers who are most impacted quickly.
In the event that you have up to 6 tiles in total blown off the roof, please arrange for repairs to be carried out. Kindly send us your invoice with your policy number by email - email@example.com. We will review your documentation and pay your claim less your policy excess.
In the event of roof and internal damage by Storm or Flood you may contact us by phone 01 290 1000 or by email firstname.lastname@example.org giving us your contact number where we will contact you. We need to capture the details and the severity of your claim which may result in us arranging for our representative to visit you. In the intervening period if you wish to remove damaged items from your home please do so but kindly remember to retain them for inspection.
The weather is a favourite topic here in Ireland and everyone talks about it. But keep an eye on www.met.ie for storm warnings and the rainfall radar. Or why not follow Met Éireann on Twitter.
Make sure you’re covered
One of the most important things to do is to check that your home insurance covers you for storm damage. Make sure your building sum insured is for the right amount - the cost it would take to rebuild your property, not its market value. If you are a tenant then your landlord should have buildings insurance, but always make sure.
- Fix potential problems in advance, like loose slates, and remove dead tree branches so that they don’t cause damage in a storm. Here’s what to do if a storm is coming our way:
- Close all windows and doors, especially large doors like garage or patio doors.
- Put garden furniture in a garage or shed, or bring it inside.
- Close washing line poles or take them down.
- Check that TV aerials and satellite dishes are securely fastened and secure cables and electric wires.
- Clear leaves and debris from gutters.
- Clear drains to make sure rain water can flow freely into them.
- Check there are no loose roof slates or loose coverings on sheds.
- Secure fences, repair garden walls and fix any gates that do not close firmly so they are not damaged further by wind.
- Park cars in a garage or away from trees, fences and garden walls.
- Remove dead tree branches and check trees for root and branch damage.
- During the storm, stay indoors and do not go outside to try and repair damage.
Firstly, check that your policy covers you for damage from a storm. Comprehensive Car Insurance will cover you for damage from a storm but if you do not have a Comprehensive Insurance policy you will need to pay for any repairs or replacements yourself. Third party, fire and theft (TPFT) policies only cover damage caused to other cars and property, and will only pay out for damage to your car if it was as a result of fire or theft.
High winds can cause substantial damage, and one of the most common claims as a result of flying debris is windscreen damage. Our Comprehensive Insurance policies include windscreen cover and if you make a claim, you will not lose your no claims bonus.
If your car has been damaged by larger debris, such as a falling tree, don’t attempt to move it without professional help. Make sure you take photos of the debris as well as the damage, as it could help with your claim.
Another common claim during storms is flood water. If you think flood water may have got into your engine while your car was parked, do not start the engine, this can cause irreparable damage, and your car could be saved if it can be dried out sufficiently before the engine is turned on.
If you drive through flood water, the damage to your car could be substantial even if there seems to be no problems at first. Water can be sucked into the engine and cause an instant breakdown, or it can cause rusting or electrical damage that can cause a serious issue later on. So try to avoid any unnecessary journeys through water if at all possible.
In any of these circumstances, please contact us immediately, take photos of the damage, and avoid moving any debris until you have photographic evidence. This may be useful for processing your claim.
We may recommend that you seek a temporary repair to prevent the damage from getting worse. If you do this you should tell us you’re doing so and make sure you keep receipts as you will need these to claim the money back later.