If you have hurricane insurance, you may need to be able to estimate the wind speed in case of a claim. This is a criterion that is sometimes mandatory in order to receive compensation. How can you prove this speed? What is a certificate for bad weather? How can I obtain a severe weather certificate?
Why get a certificate for bad weather?
As part of your home or car insurance, you may be covered by Storm, Hail and Snow or TGN cover. This cover allows you to receive compensation after a claim caused by wind speed, water damage caused by a storm or claims that occur between 48 and 72 hours after the storm. Coverage depends on the terms of the contract you signed.
However, in the case of hurricane insurance, you must prove that the wind speed was strong enough to cause the loss in order to obtain coverage under the policy. This can be done in two ways:
– Either the insurance company verifies that the hurricane caused damage in its area
– or by checking the wind speed at the time of the damage.
With the second method, a meteorological certificate must be issued as proof of the wind speed. This speed must exceed a certain threshold set out in your contract. For most insurers, this threshold is 100km/h. It is very rare for a hurricane insurance policy to provide a lower speed for coverage. Please note. It is possible that wind speeds below 100km/h may cause damage. However, such damage is not covered.
Need help handling your claim?
What documents do I need to provide to my insurer in case of wind damage?
Make sure you report the damage to your insurer within 5 days of receiving the claim. You can do this by sending an email, making a phone call or sending a registered letter. You must then provide your insurer with a description of the damage, including a list of personal effects. In the case of valuables, it is advisable to enclose evidence of their value: invoices, expert reports, etc.
A weather report is sometimes required. This is an official document that serves as proof that an unusual weather situation occurred at a certain place on a certain date. It may be issued by weather France or another organisation.
Note: Although specialised private companies can issue a severe weather certificate, it is important that the data comes from weather network of stations. This company must be considered professional for the weather certificate to be accepted by your insurer.
This meteorological proof is not always requested by the insurance company. It is only requested when there are doubts about the existence of a storm or when it is believed that the wind speed was not high enough. This certificate therefore helps to clarify any doubts.
Which losses are covered and which are excluded from storm insurance?
In most cases, wind insurance covers :
– The direct impact of the wind or the impact of a body being pushed or thrown by the wind. For example, it protects against the fall of a tree and the destruction of a facade.
– Loss caused by the weight of snow or ice.
– Moisture ingress into a building due to rain, snow or hail.
– Some more comprehensive packages may include: damage clean-up, sewer overflow or frozen pipes.
Some damages are excluded from storm coverage, but this depends on the insurer, so you should check your policy carefully. As a general rule, the following items are excluded
– Shutters, blinds and windows, unless they are destroyed at the same time as part of the building. Windows are usually covered under the glass damage coverage of a home insurance policy, so check your policy.
– Plantations, trees and fences.
– Buildings and sheds
– Gardens, terraces, aerials and solar panels.
– Personal injuries. You may need to take out personal injury insurance (PAI).
To protect your appearance, insurers often offer additional cover for an extra premium. This can be a useful option if you have multiple outdoor facilities.
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dealing with claims has never been easier. Upon request, we will prepare a claim form and communicate it to the insurance company. We will follow up and accompany you until the claim is paid.