In the wake of recent rioting across the UK, many homeowners and businesses are left grappling with the damage to their properties. The emotional and financial toll can be overwhelming, but understanding your insurance coverage and knowing the steps to take can help you recover more swiftly.
This article outlines the essential steps to protect your property, the best actions to take after experiencing damage, and how to navigate the claims process, including the Riot Compensation Act 2016.
Understanding Your Insurance Coverage
If your property has been damaged due to riots, your first step should be to report it to the police. This is crucial not only for legal reasons but also because
your insurer will likely require a crime reference number when processing your claim. Once you’ve reported the incident, contact your insurance provider. Most standard property insurance policies, including buildings and contents insurance, cover physical damage caused by riots. This includes damage to the structure of your home or business, such as broken windows, damaged walls, and even looted contents.
Immediate Steps to Take After Discovering Damage
The first action you should take is to report the crime to the police. This not only helps in legal investigations but is also a requirement when filing an insurance claim. Be sure to obtain a crime reference number, as your insurer will likely request this.
Notify your insurance company as soon as possible. They will guide you on the necessary steps, such as documenting the damage and possibly arranging temporary accommodation if your home is uninhabitable.
Take photos or videos of the damage before any clean-up or repairs begin. This evidence will support your insurance claim.
The Riot Compensation Act 2016: An Additional Safety Net
If your insurance policy does not cover all the damages or if your claim is denied, the Riot Compensation Act 2016 (RCA) provides an alternative route for compensation. This Act was specifically designed to aid individuals and businesses impacted by riots, particularly those who are underinsured or whose claims have been partially or fully declined.
What the RCA Covers:
- Damage to the building’s structure
- Damage or theft of contents for tenants or occupiers
- Damaged or stolen business items stored in vehicles
- Damaged or stolen underinsured vehicles
What the RCA Does Not Cover
- Personal items held outside of a building
- Consequential losses, such as loss of trade or rent
- Personal injury (which is addressed by the Criminal Injuries Compensation Authority)
To claim under the RCA, you must demonstrate that the damage was caused by a riot, as defined under the Public Order Act 1986. You have 42 days from the end of the riot to submit your claim, or 42 days from the date your insurance claim was declined.
Navigating the Claims Process
The claims process can vary depending on the extent of the damage and whether you are claiming
through your insurer or under the RCA. Here’s a general outline of what to expect:
Loss Adjuster Assessment
For significant damage, your insurer or the relevant Police and Crime Commissioner may appoint a loss adjuster to assess the damage and guide the restoration process. They will work with you to create a plan and timeline for repairs.
Repairs and Reconstruction
Depending on the damage, the insurer or loss adjuster may appoint contractors to carry out repairs. If you prefer to use your own builder, ensure they meet the required standards, as you’ll be responsible for their work.
Temporary Accommodation
If your home is uninhabitable, your insurer may provide or cover the cost of alternative accommodation during the repair period.
After the 2011 riots, many individuals discovered they were underinsured, meaning their insurance coverage was insufficient to cover all the damage. Underinsurance can significantly affect the compensation you receive.
To avoid underinsurance:
- Ensure your buildings insurance covers the full cost of rebuilding your property, including any fixtures
- Make sure your contents insurance covers the total value of your possessions at today’s prices
- Regularly review and update your policy limits to reflect any significant changes or additions to your property or contents
Riots, though rare, can have devastating effects on homes and businesses. Having the right insurance coverage and knowing how to claim compensation under the Riot Compensation Act 2016 are crucial steps in protecting your financial future. If your property has been affected by the recent disturbances, act swiftly to secure the compensation you deserve and get back on your feet as soon as possible.
