The recent earthquake that shook the UK in February of this year can be seen as an example that anything can happen in the world, if unexpectedly.
Whilst such incidents are rare in this country, it still managed to cause damage – resulting in an estimated £10 million worth of damage to vehicles, homes and businesses across the country.
For those affected by the freak quake, the advice is to check with your home insurance provider to see if you have suitable cover. Any structural damage should be immediately reported to your house insurance provider, keep a record of all damage and note all repair cost quotes, especially if your property has been deemed unsafe to live in as a result.
Should any of your property have suffered damage as a result it is advisable to take photographs of affected items and vehicles for the purposes of your claim. In the case of vehicles, double-check with your provider to check if your policy will cover any damage caused by the quake – although those on third party, fire and theft policies are unlikely to be successful in their claims, as such policies don’t usually cover natural disasters.
Despite the UK’s low risk level for earthquakes, homeowners still need to ensure that their house insurance is adequate to cover these rare occurrences. Policies, after all, are safeguards against disaster, be they natural or man-made.
Whilst we cannot predict when such incidents will happen, ensuring you have the right cover if something should happen is extremely important. Here are a few handy tips for ensuring you are covered in the event of your property being affected by disaster: