Storm damage claims: what happens next?
Storm damage can be stressful and disruptive, particularly if your home has been affected by high winds, heavy rain, hail, fallen trees or flying debris.
If your property has suffered storm damage, we're here to help. From registering your claim to discussing repair options, we'll guide you through the process and explain the support available.
This guide explains what to do after storm damage, how the claims process works, and the steps you can take to help your claim progress smoothly.
What is a storm damage claim?
A storm damage claim is a home insurance claim made following damage caused by severe weather, such as high winds, heavy rain, hail, fallen trees or flying debris.
If your property suffers storm damage, we'll help you understand what happens next, explain the claims process and discuss the options available to help restore your home.
What should I do if my property suffers storm damage?
If your property has been damaged by a storm:
- Contact us as soon as possible to register your claim.
- Take photographs and videos of the damage where it is safe to do so.
- Take reasonable steps to prevent further damage.
- Keep receipts and records of any emergency repairs.
- Do not use electrical items that have been damaged or exposed to water until they've been checked by a qualified professional.
Safety first
Your safety should always be your priority.
Do not attempt to secure damaged roofs, structures, loose items or outbuildings while a storm is ongoing. Only inspect damage and take action when it is safe to do so.
The storm damage claims process explained
Understanding what happens next can help provide reassurance following storm damage.
1. Register your claim
Contact us as soon as possible to report the damage and begin the claims process.
We'll explain what information we need and answer any immediate questions you may have.
2. Document the damage
Where it's safe to do so, take photographs and videos of the affected areas.
Keeping a clear record of the damage can help us assess your claim and discuss the next steps.
3. Prevent further damage
If water is entering your property or there's a risk of additional damage, you may need to arrange temporary repairs, such as emergency roof repairs or temporary weatherproofing.
Keep any invoices, receipts, and contractor details.
4. Damage assessment
We'll assess the information provided and review the damage.
For more significant or complex claims, we may appoint a loss adjuster to support you through the process.
5. Repairing your property
Once the damage has been assessed and cover confirmed, we'll discuss the most appropriate way to restore your property.
Depending on the circumstances, this may involve:
- A cash settlement
- Obtaining quotations from local contractors
- Repairs through an approved contractor network
Our aim is to help return your property to its pre-incident condition as smoothly as possible.
Will a loss adjuster be appointed?
Not every storm damage claim requires a loss adjuster.
However, for more complex claims or where damage is more significant, a loss adjuster may be appointed to assess the damage, explain the next steps and support you throughout the claim.
They're there to help ensure the claim progresses fairly, transparently and efficiently.
Can I arrange emergency repairs after storm damage?
If your property is at risk of further damage, you may need to arrange temporary repairs before permanent repairs can take place.
This may include:
- Emergency roof repairs
- Temporary waterproof coverings
- Boarding damaged windows
- Making the property weatherproof
If you arrange temporary repairs, keep photographs, invoices, and receipts as these may be required as part of your claim.
What if water is entering my property?
Storm damage can sometimes allow water to enter your home through damaged roofs, windows or walls.
If this happens, take reasonable steps to limit further damage where it is safe to do so. This may include arranging temporary repairs or protecting affected areas until permanent repairs can be completed.
Escape of Water Claims: What Happens Next?
Why shouldn't I use storm-damaged electrical items?
Electrical items affected by storm damage or water ingress may be unsafe to use.
Do not switch on or use damaged appliances until they've been checked and confirmed safe by a qualified professional.
How long do storm damage repairs take?
Repair times can vary depending on:
- The extent of the damage
- Contractor availability
- Weather conditions
- Demand following widespread storm events
Following major storms, demand for assessments and repairs can increase significantly, which may affect timescales.
We'll keep you informed throughout your claim and provide updates as work progresses.
How we'll support you
We understand that storm damage can have a significant impact on your home and daily life.
Our claims team will explain the next steps, answer your questions, and work with you throughout the claims process to help restore your property as smoothly as possible.
Whether it's discussing temporary repairs, appointing a loss adjuster or exploring repair options, we're here to support you every step of the way.
