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Houses were flooded, in Mytholmroyd, West Yorkshire

storm Ciara hit the UK, bringing widespread flooding and damage from strong winds. Snow Storms and ice look set to follow its consequences.

All of this will probably be the residents and businesses left to count the cost, and to help in the search for the insurers to have you back on your feet soon.

Cover and damages can vary significantly depending on The Level of impact and in small print in the policy, but also other automatic protection in place.

My home or business is flooded, what should I do?

safety is the main priority, so that the residents and entrepreneurs should be back to do their properties, when it is safe to this.

affected by The Storm should be possible to your insurer as soon as.

Some residents in Appleby-in-Westmorland in Cumbria, had to take urgent measures,

you can get advice, and it should avoid, throw things away, where possible. However, you should be prepared for Some delay.

"It's a bit messy over the next couple of days, because the insurance industry has provide for over-voltage events, but the loss of dispacheuren be stretched really thin as they are pulled all over the country," Alex Balcombe, of the insurance loss assessors Harris Balcombe, told Radio 5 live Wake Up to money programme.

"are There enough companies that specialized in the drying, these properties and the prevention of further damage. We are not a country, these events every two minutes.

"So you must can what you do to protect your property and especially to your family. "

The Association of British Insurers (ABI) says most of the home-building, content and commercial policies cover storm damage.

Commercial policy covers damage to premises and stock. Business interruption cover that can be included or sold separately, cost as a part of an insurance agreement to cover the additional trading, such as renting of temporary alternative trading premises, if necessary, the ABI says.

Comprehensive car insurance covers the cost of the repair or replacement of vehicles damaged by Storms .

A car was completely flooded, the water

There have been Some improvements to the system of insurance in areas that have been hit before, such as in parts of West Yorkshire , under The Flood Re -.

this does not necessarily mean, everyone can cover.

do I have to go to work?

flexibility is The Key to ensure the employees safe, but also the companies continue to operate as normal as possible, according to the conciliation service Acas.

"the employees are worried about the travel, the work over the next couple of days, and Some employers have concerns about absenteeism of staff impact on your productivity and performance," says Acas chief executive Susan Clews.

the employees should work to your boss as early as possible, if there are problems, and employers should try to offer flexible working hours, shift swaps, or the chance to work from home.

There is no automatic right to be paid for, if you are able to work, but unpaid work should be granted free time if, for example, is finished, your children's school, and you need to take care of you. This can be a particular Problem in Scotland, as The Snow comes.

If you are available for work, but the workplace is closed, then you are entitled to normal pay.

I get compensation if my electricity was cut off?

Some homes were without power through The Night , the life particularly unpleasant during The Weather extremes.

There are rules to mean that compensation may be paid by The Local electricity distributor.

coups have taken the trees, the power lines

70, with further payments of £70 is The amount of compensation£, if The Situation continues for a long time. But regardless of whether it is due, and when, depends on the severity of The Situation in each area.

the energy Ombudsman, an impartial referee, the following complaints, indicates that the inhabitants should be without a current running through the current situation and of their right to compensation from their local distributor.

My travel plans disrupted were, what my rights are?

was affected by The Storm due to fallen trees and debris on the track, as well as floods.

A Number of train operating companies have issued advice for customers.

A tree blocked The Line between Dorking and Horsham on Monday

in General, refunds are available for cancellations or if you do not want to travel, because of The Weather .

For delays, for whatever reason, many companies offer automatic compensation for service, although a claim needs to be made. It can be more complicated, for those with season tickets.

Some companies are still operating under the rules where you are not required to any kind of refund if The Delay falls outside of your control, and the severe weather in this category.

If you are booked on a specific service, which is aborted, then you need to check with the staff, instead of simply Getting On the next available train to your destination.

there is help available if my flight was cancelled?

is It more clarity for planes than trains.

If a flight is cancelled then you can get a refund or an alternative route or flight to your destination. You need to talk to the airline, rather than the booking itself.

The airline should look after you, such as the provision of meals, if there is a long delay, but you don't have to pay the additional compensation due would be had for The Delay was the airline's Fault .

personal finance, storm ciara, severe weather, money, insurance

Source of news: bbc.com