Gales and torrential rain have swept across the country, leaving chaos in their wake. Thousands of homeowners are now picking up the pieces and searching for their insurance documents to make claims. But will they be covered and what will it mean for their premiums going forward? Head of Motor and Home Insurance, Andy Leadbetter weathers the storm...

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Click 'Reply' to have your say.

Do we ever!

Storms took out part of my roof but the biggest damage was done by the subsequent four power cuts which wrecked our white goods, TV, 'phone and heating controller. Insurers are taking an age to sort this out to add to the misery of the initial problem.

Hate to think what the premium rise will be after this lot.

SHARK!

I think we should be thankful we have insurance and the ability to pay for it.

Some people cant afford it, rent their homes, work hard for the little that they have......What have they got to fall back on! Sometimes when you stop and look around you, your realise just how lucky we are...