Storm damage to your home

The UK can see its fair share of extreme weather. It’s no surprise then that thousands of people make a storm damage insurance claim each year. The big issue that arises when claims of this kind are made is what exactly the definition of storm damage insurance cover is. Different insurers use different methods to establish exactly what they constitute as a storm. To confirm their own personal definition of storm damage insurance companies often choose to use the Beaufort Scale. This system offers scaled definitions of different weather conditions. However, they can also choose to use other sources, such as looking at local news or whether any other properties in the area have been damaged.


Lightening storm causing storm damage


What can you claim for?

Whether or not your storm damage insurance claim will be accepted by your insurer depends largely upon the individual circumstances. Your claim will likely be turned down if the damage can be attributed to poor maintenance or general wear and tear. If this is not that case (and storm level weather was recorded in your area) then your claim stands a good chance of being accepted. However, most policies as standard will have certain exclusions. This could include things such as fallen trees that have not damaged your house itself or certain types of fencing.

When you make your claim for storm damage, insurance questions will be put to you by your insurer or their appointed loss adjustor. These will be used to ascertain exactly what has happened and what has been damaged. These should be answered as accurately and truthfully as possible.

Storm damage act of god

Insurance policies often contain an act of god clause designed to protect insurers in the event of a massive natural occurrence. They would otherwise be left with massive payouts associated with such unpredictable events. Insurance premiums for usual insured events such as a fire or flood are calculated based on the risk of that event happening. This is possible since there is plentiful data available to assist in these calculations. However, natural disasters, on the other hand, are very rare. This makes it impossible for insurers to accurately predict when they may happen and adjust their premiums accordingly.

Roofing insurance claims for storm damage

One of the big concerns that people hold when it comes to storm damage is damage that could be caused to the roof of their property. Many people wonder, is storm damage to roof covered by insurance?  As long as the roof has been maintained in a good conditions, there is no reason that it wouldn’t be covered.

You should also be covered under your buildings insurance for liability claims. For example, if a tile from your roof blows off and causes storm damage to neighbours property, you should be able to claim for this under the liability aspect of your buildings insurance. This will obviously be dependent upon the individual claim circumstances. It will also be subject to the roof being upkept to a sufficient standard before the storm incident took place. As long as you can fulfil the claim criteria then in most cases buildings insurance cover roof repairs.




Preparing your home for a storm:

  • Check your roof for loose tiles and any signs of existing damage.
  • Ensure that all drains are clear and not obstructed by blockages.
  • Pack away any items of garden furnature, or if this is not possible ensure they are firmly tied down.
  • Repair any damaged areas of walls or fences as these will be particularly vunerable in a heavy storm.
  • Park your car away from any trees. If you have access to a garage then this is the safest place to keep it.
  • Have a torch to hand in case of a power cut.


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