Guidance for Storm Recovery and Insurance Claims
Severe weather can turn life upside down, causing property damage and interrupting your routine. From damaged roofs to widespread debris across the Channel Islands, we understand the impact. If your home, car or business has been affected, don’t worry—we’re geared up to support you through the claims process and help you recover quickly.
Here to Support You
We’re set up to handle your immediate needs:
- A Safe Place to Stay: If your home has been compromised, we’ll sort out temporary accommodation
- Business Support: Struggling businesses, we’re on hand to help you recover your stride fast.
- Quick Car Claims: We’re expediting the process for damaged vehicles, getting you back in the driver’s seat.
Take Action to Protect Your Property
- Record Evidence: Take photos or record a video of the damage.
- Emergency Repairs: Go ahead with any urgent fixes to stop further damage. Just make a note of any repairs undertaken and keep your receipts. – these details are crucial for your claim.
- Reach Out to Us: We kindly request that you reserve calling us for emergency claims only.
Prioritising the Most Affected
- Immediate Attention to Urgent Claims: If you are without shelter or your primary vehicle is no longer roadworthy, your claims are our foremost priority.
- For less pressing matters, you may send an email to claims@islands.gg.
Simplifying NFU Mutual Home Claims Process
For a smoother notification claims process, we’ve made our online form really straightforward – But remember, it’s just for home claims that need quick attention. For car claims or anything else, head to our claims page and download the necessary form.
Our teams are positioned throughout the Channel Islands to offer tailored support wherever necessary. We’re committed to processing your claims to mitigate the interruption to your daily routines. We’re here to support your path to recovery and rebuilding with genuine care and prompt service, where possible.
Ready to Start Your Claim?
Let’s Get You Moving Forward
Frequently Asked Questions
General
What should I do before filing a claim?
Before filing a claim:
- Take photos of all damage.
- Keep receipts for repairs or expenses.
- Contact the claims team early to help speed up the process.
Frequently Asked Questions
Motor Insurance
Note: The following FAQs are specifically tailored for our customers with NFU mutual policies.
What should I do if someone else’s roof tiles damage my car?
You should contact your insurer and claim under your own motor policy.
Is there a replacement vehicle available if my car isn’t driveable?
No. Many insurers work with approved repairers, who may provide a courtesy car, but this depends on availability.
If your car is written off, most insurers won’t provide a courtesy car.
What if my car is driveable, but needs repairs?
Most insurers have approved repairers; they may provide a courtesy car, subject to availability.
What steps do I take for windscreen damage claims?
- For NFU Policyholders: go to one of their approved repairers or an auto glass specialist. Click here to find out more.
- For all other insurers: please check your policy wording for claim contact details.
Frequently Asked Questions
Home Insurance
Note: The following FAQs are specifically tailored for our customers with NFU mutual policies.
What immediate steps can I take for emergency roof repairs?
Hire a contractor to make emergency repairs to keep your property watertight. Then, send the invoice, photos of the damage, and a repair quote to your insurer.
What should I do if my property is uninhabitable or I’ve lost a utility?
If your property can’t be lived in or you’ve lost a vital utility, find emergency accommodation. Then, contact your insurer’s claims team as soon as possible.
How do I submit a property claim?
- NFU Policyholders: Submit your claim using the online claims form. For questions, contact Guernsey: claims@islands.gg and Jersey: claims@islands.je
- For all other insurers: Check your policy wording for the correct claims contact details.
What steps should I take if a tree has fallen due to the storm?
If a tree falls due to a storm, here’s what to do:
- If it damages your property or falls into a public space, hire a tree surgeon to remove it and submit a claim form with the invoice.
- If your tree has fallen onto a neighbouring property, it’s generally the tree owner’s responsibility to arrange removal. Coverage under the policy for such incidents may vary, so please submit a claim form and invoice for consideration.
What immediate actions should I take if my property is damaged?
If your property is damaged and needs urgent repairs:
- Make it watertight to prevent further damage.
- Arrange emergency repairs if needed.
- Get a repair quote and submit it with your claim.
Do I need multiple quotations for building damage?
It depends on the insurer:
- For NFU Mutual policies: only one quote is needed, along with photos of the damage.
- For other insurers: check your policy wording or contact them directly.
What if I need to claim for additional accommodation?
If your home isn’t safe to live in, find a suitible and most affordable place to stay. Then, tell your insurer as soon as possible.
What should I do if my neighbour’s tree falls into my property?
If your neighbour’s tree falls onto your property, you should usually claim through your own home insurance first.
Is there cover for gates and fences damaged in a storm?
Most insurers don’t cover storm damage to gates and fences. Check your policy wording for details.
What if my property is watertight but I’m concerned about future rain?
If your property is watertight but you’re worried about future rain, hire a contractor to inspect it and make sure it stays protected.
Frequently Asked Questions
Business Insurance
Note: The following FAQs are specifically tailored for our customers with NFU mutual policies.
My business property is damaged and I can’t operate. What’s covered?
If your business property is damaged and you can’t operate, your policy may include business interruption cover.
This could help with lost income and extra costs to keep your business running. Check your policy wording for details.
Are professional fees covered by my policy?
Your policy may cover fees for surveyors or engineers if they’re needed for repairs or rebuilding, but only with insurer approval.
However, fees for claim preparation, like accountant costs, aren’t covered unless your insurer specifically agrees. Check your policy for details.