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CDP1976

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  1. Thanks for your reply Jeff but that is only one occasion in the last 10 years. On that basis any damage caused by snow during the last 10 years would only have been covered by a standard home insurance policy under the storm definition once. What I suspect is that the insurers are using a red line threshold for the definition of a storm to restrict payouts so that only extreme conditions are covered whereas I think most homeowners would expect their insurance to cover them in the event of bad or freak weather causing damage to a well maintained property. For insurance purposes a storm is Wind speeds of 48 knots or 55 mph Torrential rainfall of at least 25 mm per hour Snow to a depth of 30 cm per 24 hrs Hail of such intensity that it causes damage to hard surfaces or breaks glass. These may be perfectly reasonable definitions but they need to be proved by the householder or met by the average of a triangulated series of weather station recordings which could be quite different to the local conditions experienced. I also think there is a difference between the storm measures and the actual amount of bad weather required to cause damage to a property. If local bad weather damaged your property but it didn't exceed one of these measures as quantified by the insurance company then you wouldn't be covered for the cost of repairs. I'm lucky in that I can afford to get the repairs done to my property but I think insurance companies need to be clearer about when they won't cover you as I am sure there are a lot of vulnerable people out there who do not have the cover they think they have. Does anyone reading this have similar experience of insurance companies - expecting to be covered for damage caused by bad weather and then finding that you are not?
  2. Hello, First time poster so apologies if I am not posting in the correct thread. I have a query that I am hoping some of you may be able to help me with. We had some snow damage recently and discovered that to be classified as a snow storm the UK insurance industry defines it as a period of 24 hrs where more than 30 cm of snow has fallen. Anything less than that and it is not considered a snow storm. I accept that we didn't have 30 cm of snow so am not looking for evidence to use against an insurer. It did however make me wonder, when have we ever had more than 30 cm of snow within 24 hrs? Are those stats even available? I suspect the insurance industry is perhaps hiding behind an improbable definition. Does anyone have stats for snow at locations in the UK for any 24 hr period or does it have to be by calendar day? Where can I find out how many times we've had more than 30 cm in 24 hrs / a day within say the last 10 years? Thank you in advance for any responses provided. Craig
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