The recent earthquake in Kent highlights that potential disasters can strike at anytime and it is important to ensure possible damage is insured against.
Saturday's earthquake, measuring 4.3 on the Richter Scale with an epicentre 7.5 miles off the Dover coast, could cost around £20 million and many small businesses face lengthy delays before being allowed back into their properties.
Around 70 properties in Folkestone have been ruled unsafe until further investigations are carried out by structural engineers and surveyors. Such potential of loss of accommodation and business could mean people are reliant on their insurance provider to help met the costs of repair.
The Association of British Insurers (ABI) reassured Kent residents that damage will be covered.
Nick Starling of the ABI explained: "These sudden, unexpected, and unwanted events are exactly what insurance is designed to cover."
The earthquake was the biggest one to hit Britain in five years and it is expected a full cleanup could take months.
