‘My insurers say Storm Darragh was not a storm’
https://www.bbc.co.uk/news/articles/clyj6y10y15o
Posted by ClassicFlavour
‘My insurers say Storm Darragh was not a storm’
https://www.bbc.co.uk/news/articles/clyj6y10y15o
Posted by ClassicFlavour
27 Comments
“Insurance is for having, not for using.”
Insurance industry, probably.
Insurance is so often just a fucking scam – I basically self insure. I am insured, of course, but I reserve it entirely for major events, like a house fire or something.
Rest of the time I fix stuff myself and just accept it, and at least I keep my lower premiums and no claims bonus. For the purposes of the tape, I absolutely declare all losses of course.
Reddit toc prevents me from making the point I want to make.
You’d think insurance execs would be feeling a little vulnerable right now.
Fucking eat the rich already.
*”But what on earth are you covered for?” he asked. “If you have a fire, does the fire have to be a certain temperature? It beggars belief.”*
Don’t give them ideas.
Disclaimer: I’m a loss adjuster so probably have bias with this.
Ultimately, insurance is a contract and within that a ‘storm’ will be defined. Your insurance will pay for storm damage if the clearly defined storm conditions are met. In this case the storm conditions were not met. Just because it’s a named storm doesn’t mean it hit all areas with equal force.
Insurance companies are bound to enforce their contracts to the exact wording because once you stray away from it, you open yourself up to a whole world of unexpected exposure
I’m going to put out there that my insurer is brilliant. I had a wasp nest in my eaves earlier this year- a note to them and they had someone there to spray it next day and dealt with everything. Not even an excess payment asked for.
WTF is with that “analysis”?
This story is nothing to do with whether it’s climate change related.
Why bother adding that to this article?
The guy nailed it: If there is a fire, does it have to be a certain temperature?
Insurers are parasites and they are only paying out because the media had some space in their news to report it.
A guy has to kill a CEO to be heard these days.
I called it before I even opened the article – yes it was a named storm but didn’t meet the definition of that with the wind speeds in the location he was in. His is an edge case, and seems they have confirmed they will settle anyway.
Hitchhiker’s Mostly Harmless, at the end of Chapter 14, Trillian and Arthur have this convo:
Trillian: The insurance business is completely screwy now. You know they’ve reintroduced the death penalty for insurance company directors?
Arthur: Really? No I didn’t. For what offense?
Trillian: What do you mean, offence?
Arthur: I see.
It’s only a storm if it originates in Stormont, otherwise it’s just a sparkling weather system.
The insurers have strict definitions of storms based on the windspeed recorded in your local area. Just because a named storm was blowing 100mph on the coast, doesn’t necessarily mean you’ll see those speeds if you live far inland.
My home insurance says it has be a sustained speed over 45mph before they’d pay out for storm related damage.
My insurance paid for £500 of roof damage after a storm, which was a relief, but I did notice the cost of my insurance went up by £100 for the next five years.
So I think of insurance as paying a large annual fee to give myself access to my own future money in case of emergencies.
Home insurance is a con. Last year we had roof damage due to a storm. Claimed on insurance and the claims adjuster said “well we don’t know if the roof was in good nick before the storm so it could have just failed regardless of the weather.” Claim denied. Still have to declare the denied claim which affects my premiums anyway even though they didn’t pay out for anything.
The clue seems to be in the name of the storm that isn’t a storm….
It’s like they’ve not been watching the news for the last week and a bit…
Get used to this, because this will be healthcare too once the gormless stinking cattle vote Reform in.
Every insurance company has two departments; One that takes money in, and another twice the size that stops any money going out.
ITT : people who don’t understand how insurance works
It would be a shame if something happened to their CEO.
“Storm Darragh wasn’t a storm.”
“Say that again, *slowly*.”
[Sounds like the plot to a film with Billy Connolly in it](https://en.m.wikipedia.org/wiki/The_Man_Who_Sued_God)
Had the same happen to me when they said the beast from the east wasn’t classed as a storm as the wind didn’t reach 40mph for longer than 60m in my postcode
The water pouring in my house from the roof was just coincidence 😳
He needs to get a solicitor to read through his policy documents and handle his claim, as any unsolicited advice is not worth the paper it is printed on.
“Now that we have supporting information, we have agreed to settle Mr Iliffe’s claim”
I wonder what information caused them to change their minds on fucking over customers with their insurance. Really interesting
They are hopeless. I have building and contents insurance, which includes glass. When I had to claim for a very big window, they didn’t want to pay because windows are not part of the house and glass was just for mirrors. What a fun conversation that was…. They did pay in the end.