The Mudcat Café TM
Thread #166540   Message #4005318
Posted By: Iains
21-Aug-19 - 03:40 AM
Thread Name: BS: Storm damaged roof, leaking into bedroom
Subject: RE: BS: Storm damaged roof, leaking into bedroom
I doubt if anyone has their roof inspected as a matter of course. It is something you do when you have a leak. People take out household insurance to cover for extreme events. What you have to do is prove it.
https://www.financial-ombudsman.org.uk/businesses/complaints-deal/insurance/home-buildings-insurance/storm-damage
You need to determine if any weather stations are closer, and look at wind speeds and precipitation from several to see if one is anomalous.
Did anyone nearby suffer similar damage. Was the weather that day classified as a storm?Had any slight damage been demonstrated on the roof prior to the event? (This response could be crucial.) Any collateral damage nearby? Fences blown down, tree branches blown off, leaves stripped of vegetation etc etc, any nearby flooding.
Any confirmatory evidence you can rustle up will help build your case, and if it is the insurance company quoting a weather station 12 miles away you could legitimately argue that it might as well be on a different planet. Weather is a very localized event.( Where I live one valley could have a flash flood while the adjacent one has scorching sunshine) Mean wind speed is largely irrelevant, it is the gusts that do the damage.
I hope you have enough where you can paint a convincing picture so you can demonstrate that you were subjected to an extreme event.