Caravan park battles with insurance company over destruction caused by Storm Frank

Was damage caused by storms or flooding?
Was damage caused by storms or flooding?

Wednesday, 25, May 2016 10:43

by Joe Jeffrey

Insurance company refusing to budge on payout in flooding vs storm discrepancy

Owners of a caravan park in Scotland are facing a fierce battle for compensation with their insurance company six months after the devastating effects of floods caused by Storm Frank took hold.

Mobile Homes Insurance Service (MHIS) is refusing to pay compensation on the grounds that damage caused by Storm Frank at Ballater Caravan Park was the result of flooding and not storm damage.

Ballater, on Royal Deeside, was among the areas worst hit by storms over Christmas and New Year which swept away roads and destroyed houses.

Right Claim UK's Neil Forbes weighed in on the situation, saying: "It's a scandalous situation. Our argument is that the cause of the incident was Storm Frank. We're very hopeful about succeeding in the claims."

MHIS said the clause relating to flooding was brought to the attention of policyholders. A spokesperson for the insurance company said: "It should be noted that each policyholder willingly accepted the cover on the basis that any flood damage would not be covered.

"All the policies exclude any cover for damage caused by floods whether or not this is as a result of storm.

"This exclusion was brought to the attention of every policyholder when they purchased their policy."

Alastair Ross from the Association of British Insurers said: "Insurance companies need to make sure people understand the products they're selling them and for their part people really need to understand what they're buying into."

Do you think the MHIS are within their rights to hold off from paying compensation? Let us know in the comments below.

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