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We're officially in storm season, with the UK braced for one of its worst on record. Home Insurance policies are the best way to protect yourself and your property, but we've heard some companies deny valid claims.

Consumer Champ Matt Allwright meets Leanne whose roof was ripped off her flat by a storm, leaving her kitchen and bathroom exposed. Her initial claim was rejected despite having a policy in place as the surveyor said the roof wasn't well maintained and only came off because of wear and tear. Matt challenges the industry and finds out the free calculators to make sure you're not underinsured.

To watch this with subtitles, search for Morning Live on 成人论坛 iPlayer from 04/09/24.

In response to this film, Insurer Homeprotect said it was sorry to hear that Alison鈥檚 home was damaged, but reiterated that the weather was not severe enough to damage a well-maintained roof, so it did not meet its policy鈥檚 storm threshold. It said to keep costs affordable for customers, it does not cover damage caused by wear and tear, or a lack of proper maintenance.

Meanwhile insurer Policy Expert told us that it prioritises settling claims quickly and fairly, but some claims are complex and require investigation. It says that it is taking Leanne鈥檚 complaint very seriously, and working with her to bring the matter to a close.

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