A clearer next step after the storm

Your insurer said no.
What does the evidence say?

Check your home storm claim against the Ombudsman’s three questions. Get a clear view of the evidence, the money at stake and what to do next.

Try an invented example:

1 · Where and when

Postcode or outward codeWe only retain the outward code. Leave out names and policy numbers.

When did the damage happen or become visible?I know the dateUntick if you only noticed it then; we look back two weeks.

There was a named stormHail damaged hard surfaces or broke glass

Edit model figures or add what your insurer, a station or an expert reported. Up to 40 rows.

Source	Date	Gust (mph)	Rain (mm/hour)	Snow (cm/24h)	Label	Distance (km)	Action

2 · Your policy and the damage

Storm gust line (mph)

Rain line (mm/hour)

Snow line (cm in 24 hours)

Rain alone counts as a storm

Defaults follow the ABI definition. Use the wording in your own policy.

3 · What the insurer saidInsurer name (optional)

How did the insurer inspect?

Signs of existing deterioration

Years since maintenance

I have maintenance invoices or recordsMy own written expert report says the storm caused it

Repair cost (£)

Policy excess (£)

Date I complained (optional)

Final response date (optional)

Checking creates a report with a shareable link. Anyone who has the link can read it.

Your insurer said no.What does the evidence say?