Thursday 21 June 2018

Insurance Explainer: Storm damage, driving during red weather warnings - am I covered?

Stock picture
Stock picture
Charlie Weston

Charlie Weston

Insurers have confirmed that household and motor policies will cover storm-related damage.

Fears had arisen that insurers would claim the impact of former Hurricane Ophelia was an "act of God" and refuse to pay out.

But Insurance Ireland, the umbrella body for the industry, said motor insurance cover operates as normal during and after the storm.

"This is not impacted by the weather conditions," a spokesman said.

Damage to cars caused by the storm is covered by comprehensive motor insurance policies.

Third party fire and theft policies cover motorists for damage to other cars in the event of an accident, injury to other people, or damage to your car in the event of a fire or theft.

Storm scenes at Tramore Co. Waterford.
Picture Dylan Vaughan
Storm scenes at Tramore Co. Waterford. Picture Dylan Vaughan
Hurricane Ophelia hitting Fenit in County Kerry. Photo: Mark Condren
16/9/17 Gardai, the coastguard and the RNLI helicopter at Blackrock in Co Louth where windsurfers were surfing during storm Ophelia. Picture: Arthur Carron
16/10/2017 Ophelia arriving in Galway. Quick walk on the prom ahead of the Hurricane . Photo:Andrew Downes
16-10-17 Storm scenes at Tramore Co. Waterford. Picture Dylan Vaughan
Provision 161017 Hurricane 'Ophelia'.... fallen tree Knocknaheeny, Cork City Pic Michael Mac Sweeney/Provision
Ophelia Storm strikes in Baltimore, West Cork. Photo. Emma Jervis Photography
Hurricane 'Ophelia'.... fallen trees, N25 Cork City Pic Michael Mac Sweeney/Provision
Walkers in Clontarf pictured this afternoon as Hurricane Ophelia hits the country..Picture Colin Keegan, Collins Dublin.
A tree blocks the road at Killbritain Co Cork. Picture Denis Boyle
(Photo: Met Eireann)
A surfer is seen on rough water in the Atlantic in an area where the tide should be out in the County Clare town of Lahinch, Ireland October 15, 2017. REUTERS/Clodagh Kilcoyne
Pictured getting ready for hurricane Ophelia at Courtmacsherry Bay West Cork was Martin Galvin and his son Adam. Their seaside home at Lobster Cottage sits in Courtmacsherry Bay with County Cork expected to be among the worst effected counties. Picture Denis Boyle
Angus Bourke from Castlebar, Co. Mayo a member of Mayo Sailing Club preparaing his boat at Rosmoney, Westport, Co. Mayo before Storm Ophelia. Photo : Keith Heneghan / Phocus.
Met Eireann forecaster Evelyn Cusack at the National Emergency Coordination Centre today. Photo: Mark Condren

And household buildings and contents insurance policies will cover damage caused by storms.

Insurers will usually pay for the cost of temporary repairs, the insurance representative body said.

Householders were advised to keep receipts.

A spokesman added: "Insurers will also usually pay for the cost of alternative accommodation, if the home becomes uninhabitable."

Householders were told to check the full extent of their policies and contact their insurer or broker after the event, if there is damage.

And it added: "Insurance Ireland advises motorists to heed the warnings in place from the authorities and avoid all non-essential travel."

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