Winter storm advice and what to do in the event of making a claim
With bad weather and storms set to hit the UK it is important for you and your business to be prepared. Below is some advice on how to prepare and what you need to do in the unfortunate event of any damage to your property, business or vehicle.
- Securely fasten all doors and windows
- Check trees and any overhanging branches that could blow off and cause damage
- Lock away loose objects in your outside spaces like garden furniture, bikes, children’s toys, bins
- Secure weak fences and posts to reduce possible damage to your property and other peoples
- Park vehicles in garages, if available, and clear from large buildings, trees, walls and fences
- If you can check your gutters are clear, this should ideally be done once a year to prevent overflowing rainwater and property damage
- Check all aerials and satellite dishes are secure
- Remove loose roof tiles before any forecasted storms, check guttering and fascia’s are secure
- Consider how you would access vital information if a storm takes out power and phone lines, keep hard copies of polices to hand.
- Check your pipes are insulated.
- Know where the stoptap is – to turn water of quickly should there be a problem.
- Ensure you have some provisions – freeze bread and milk and combine with cupboard staples.
Always check your contents and buildings insurance is up to date. It’s important you have the right kind of insurance in place.
After a storm
- Be careful when checking for damage, check for roof damage at a safe distance and be careful of any broken glass and of fallen or damaged trees
- Be careful not to touch any electrical/telephone cables that have been blown down or are still hanging
- Take pictures of the damage and make lists, this will help in the event of making a claim
- Keep all receipts
Vehicles and driving
If you do need to travel during winter weather plan your journey in advance and only travel if necessary. Can your journey be rearranged? Consider if other methods of transport would be better.
- Have a winter kit in your vehicle – containing torch, shovel, blankets, extra warm clothing, jump leads, food and hot drinks, de-icer and ice scraper.
- Check your tyres.
- Make sure you have plenty of fuel.
- Allow extra time for your journey and reduce speed.
- Increase the distance between your vehicle and the vehicle in front – in ice and snow stopping times are 10 times larger.
- In reduced visibility such as driving in rain or fog, use dipped headlights and rear fog lights. Use windscreen wipers to keep the windscreen clear, even in fog.
- Remember to turn fog lights off when no longer required as they can distract other road users in normal visibility.
- Remember snow is visible but ice, especially black ice, is often invisible.
- Avoid sudden braking or harsh acceleration or steering manoeuvres.
- Keep all windows and mirrors clean, clear of snow and ice and free of mist. Keep lights and indicators clean.
- If planning a long journey advise someone of your destination and approximate arrival time.
- If you have one, carry a mobile phone, ensure it is fully charged. Do not use whilst driving.
- If stranded in bad weather try to ensure you are not blocking access for emergency vehicles. Remain with the vehicle unless there is shelter nearby. Maintain your circulation by moving your body. If you can, use the engine to keep you warm; but do not use the engine if the exhaust cannot vent safely. If you are snowed over ensure that there is an airway maintained.
In the unfortunate event you are involved in a road traffic incident, these steps should be followed at the scene of an incident:
- You must stop and exchange details with any third parties involved. This is a legal requirement.
- Stay calm and act in a manner which does not expose anyone to danger.
- Inform the emergency services and call for assistance if required.
- If you are involved in an incident resulting in someone being injured, or if you are unable to exchange particulars with the third party, you must inform the police within 24 hours.
- If you are involved in an accident no statements admitting fault or liability should be made to third parties. The police should be given reasonable assistance.
- Record the following details:
- Date time and location of accident.
- Vehicle registration numbers of third party vehicles(s)
- Third party drivers’ name address.
- Third party Insurance Company and policy number.
- Name and number of the police officer attending the accident.
- Police incident number. Officers’ number and station.
- Sketches or photographs of the accident scene showing position of vehicles, road markings etc.
- Names and addresses of any witnesses.
- Any other applicable information.