We issued a storm warning last week in preparation for the coming storm, but we thought it was an appropriate time to offer a more complete guide to how to react and prepare for more extreme weather conditions.
A worrying time for any establishment owner, storms can cause damage to your property with falling trees, flooding and general damage caused by high winds, lightning and heavy rainfall.
Storms are often dangerous and can cause major problems for homeowners and building owners of any kind, as we have seen this October.
If you your establishment in located in the south of England, it is likely you experienced the travel difficulties firsthand, it’s worth advising staff who are affected to avoid coming to work, if their journey is likely to be dangerous due to the storm disruption.
While the giant loose beach ball was a entertaining development in the recent stormy weather, there is a much darker side to St Jude day storm. Three deaths and thousands of houses still without power hang heavy over the recent spate of extreme weather.
There are currently 48,000 properties in the East of England and 9,600 in the South East still without power. Cambridgeshire, Essex, Hertfordshire, Norfolk, Suffolk, Kent, Surrey and Sussex.
Advice If You Were Affected by the Storm
If you or your establishment were affected by the storm there are measures you perform to make coping with damage and importantly, claiming on insurance, an easier process:
- Turn off your power and gas if you suspect either has been compromised or damaged
- If any repair work needs doing urgently, make sure you keep all receipts
- Take photographs of all damage as evidence. While all insurance companies who would love trust every claim we receive, having photographic evidence of any damage that has occurred, especially if they plan to repair it, is always advantageous
- Use tarpaulin as temporary cover to prevent further leaks, but only do this when it is safe to do so
- Don’t attempt to fix any electrical work that is still live, or that you have little experience with. It’s better to get a professional than put yourself at risk
- Be sure to move damaged items if possible, or move more expensive items to a safer location if possible if there is more bad weather on the way.
NDML Insurance Storm Advice
There are measures you can take to better prepare your establishment for storms in the future.
In preparation for future storms, here are some tips to avoid unnecessary damage or discomfort:
- Put together an emergency kit in case you’re stuck in your home – you could include waterproof clothes, non-perishable food, bottled water and any medication that you take
- Be sure to store important documents, including insurance policies, upstairs in your home or at a high level, preferably in a waterproof container
- Have a battery-powered radio for local alerts and storms news. Radio news should inform you about travel disruption and other factors like school closures
- Keep your mobile phone fully charged for the same reason
- Before a storm hits, be sure to make yourself aware of how to shut-off gas, electricity, oil-fired heating and water, even in the dark
- Sand bags, flood sacks, door guards and air brick covers can also stop or slow water getting into your home.
Get in touch with NDML Insurance to discuss how our bespoke insurance cover for your nightclub, pub or bar could be exactly what you establishment needs. Phone us on 0844 488 9205, email us at firstname.lastname@example.org or use our contact form.