What to do if your shed has been damaged in the storm 02 March 2018 Free

When it comes to making temporary or permanent repairs to sheds damaged during the storm, farmers need to be sure they are not compromising a potential insurance claim.

Jason Byrne of Zurich said: “Immediate urgent repairs are in order and encouraged by Zurich to aid farmers to mitigate the storm damage and prevent further loss. However, before proceeding, there are a few things the farmer must do.

“The most important thing is to conduct a rigorous risk assessment to ensure it is safe to proceed. After this is done, then they should photograph the damage before beginning the work. Also, they should retain damaged elements for a possible follow-up inspection.”

Ensure you photograph the damage and retain all invoices and evidence

When asked if snow caused the roof of a shed to collapse or if the ice has caused pipes and hoses in dairy parlours to burst would these types of issues be covered by insurance, Jason said: “If as a result of the storm a farmer has suffered damage to buildings or any other property, provided the customer has either storm or accidental damage cover in place on that building or item of farming equipment, then the claim will be assessed and deemed valid.”

Cost exceeds €2,500

He continued: “Where there has been minor damage to your property (ie where it is estimated that the total cost will not exceed €2,500), you may arrange for the damage to be repaired. However, we would ask you to notify the damage to claimsnotification@zurich.ie with your policy number, and contact information. We will register the claim and contact you with your claim number and dedicated handler name.

“Ensure you photograph the damage and retain all invoices and evidence and, once your work is complete, email your photographs and all invoices to your handler to enable us to review your claim.

“If your contractor estimates that the total cost of the repairs will exceed €2,500, please immediately contact Zurich on 1890 208408 or claimsnotification@zurich.ie where we will assist you further. In general, for claims above €2,500 we may arrange for a loss adjuster to visit your farm to inspect the damage.

Care as snow thaws

Jason also highlighted some of the key issues that farmers must look out for over the next few days. “Accumulation and weight of snow can cause damage to farm property and outbuildings. Exercise particular caution when entering farm outbuildings and sheds if there is any concern that they may not be structurally sound. If you see any sagging or hear unusual stressed noises, take extreme care and call a contractor – don’t climb on to roofs or work at heights to dislodge or remove snow.

Melting or thawing snow and ice can cause additional hazards such as flooding and electrocution

“Watch out for falling snow from roofs and ensure nobody stands underneath an area where snow could fall off in large amounts and cause an accident or injury.

“Melting or thawing snow and ice can cause additional hazards such as flooding and electrocution. Switch off electrics at the mains/fuse box if you think melting snow has leaked near electrics or electrical appliances. However, if the mains switch is wet or standing in water, do not touch it. Call a plumber and electrician."

Advice for FBD customers

FBD also had some advice for its customers as to what to do if sheds have been damaged. A spokesperson for the company said: “FBD would advise all farmers to prioritise safety over property protection. In particular, we would caution against any attempt to clear snow from roofs. Very serious injuries have occurred on farms arising from falls from and through roofs.

“The general rule from FBD is to get approval from the FBD claims department before carrying out repairs. However, where immediate or temporary repairs are necessary to prevent further damage and can be safely carried out, we advise farmers to take reasonable emergency steps.

“Take photographs before and after the repairs and retain any replaced materials on farms for inspection. In addition, farmers should obtain proof that the independent contractor they retain has valid public liability and employers liability insurance.”