On the Mainland, no one with real catastrophic insurance expects to ever make a claim against the policy.

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Additionally, Hynie and Brown signed a prenuptial agreement, through which Hynie disclaimed any rights to make a claim against his estate or trust.

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To make a claim against the council you would need to be able to prove that they were negligent - ie that they knew it was going to be really windy and they deliberately left bins lying out where they could cause damage.

BBC: Fergus Muirhead

The document also suggested that the authority believes it has a 12-year retrospective window in which to make a claim and the council believes it can offset overpayments in the past against future ones.

BBC: Birmingham Council House