Does home insurance cover storm damage?

House with dark storm clouds in background

While the UK might not suffer from extreme storms like many other parts of the world, it’s fair to say that we experience our fair share of extreme winds and winter (and summer) storms.

As a homeowner, you may be wondering if there’s such a thing as ‘act of God insurance’, which would cover you in the event that your home has been damaged in a severe storm.

Thankfully, we’re here to answer all your questions about home insurance and tree damage, roof leaks and more. If you’re wondering who pays for fallen tree damage in the UK, check out our guide below for everything you need to know about claiming on your home insurance policy after a storm.

What is a storm?

This might seem like a silly question to ask, but the definition of a storm when it comes to home insurers can vary depending on the insurance provider and what they consider to be a storm in the UK.

According to the Financial Ombudsman, a storm is described as “something that generally involves violent winds, usually accompanied by rain, hail or snow". However, that definition is quite broad and generic, so many home insurance providers take it into their own hands when it comes to defining a storm to see whether you’re eligible to make a claim if your home is damaged.

Some providers will insist that a storm/extreme winds are anything over 55mph, whereas others will use different metrics to determine how bad a storm is. It’s important to check what your home insurance provider deems as a storm to see if you’d be able to make a claim if your home is damaged.

What is considered to be storm and wind damage?

General storm and weather damage could include any of the following:

  • Broken tiles on the roof
  • Doors and windows shattered or completely blown off
  • Damage to your house as a result of lightning
  • Damage to your home as a result of a fallen tree due to extreme winds
  • Water damage to your home due to heavy rain or snowfall

Does my home insurance cover storm insurance claims?

Depending on the type of weather damage your home has suffered from, you might be wondering does building insurance cover roof leaks and roof repairs. 

Thankfully, most home insurers in the UK will cover most types of storm damage, including a leaking roof or damage to your home as a result of a fallen tree. However, some insurers will have certain exclusions that they won’t cover you for such as a damaged fence or hedge in your garden, but other providers may cover your house in its entirety. 

It’s a good idea to check exactly what you’re covered for under your home insurance policy when it comes to storm and weather damage so you know what you can make a claim for.

Looking to renew or change your home insurance for better cover?

Get a Quote

What to do if your home has been damaged

If your home has been damaged by a storm, extreme rainfall or high winds, you will have to carry out the following steps to ensure your safety and to make a claim with your provider.

  • If there has been a storm and your home is damaged and needs repairing, you must first inform your home insurance provider as soon as possible so that they can give you advice and specific requests to be able to move forward with your claim.
  • If it’s safe to do so, you will then need to carry out a full inspection of your home and make thorough notes of all the damage that has occurred, both inside and outside your home. You may also want to take photos of the damage so that you have more proof when making your claim.
  • It’s important to keep any damaged items in your home as your insurance provider may want to take a closer look at what you’re claiming for, so make sure you don’t throw anything away.
  • If your home is so severely damaged that it has become unsafe or unsuitable to live in, you may need to sort out temporary repairs if possible, and if not, you may need to organise temporary accommodation if your home is completely unliveable. In this situation, your insurance policy should cover you for temporary accommodation if they deem that it’s the right and safe thing to do.

Find a great deal on home insurance today

Get a Quote

How to protect your home from storm damage repair

While there isn’t anything you can do to prevent a storm from happening, there are several steps you can take to try and ensure that your home is as protected from a storm as possible.

When home insurance providers are investigating a claim for storm or weather damage to a home, they carry out a thorough search to see whether your claim is viable. If they think that you haven’t taken good care of your home or carried out the necessary precautions to try and prevent storm damage as much as possible, they could refuse your claim, so it’s important to look after your home and surroundings as much as possible to ensure that you’re in the best possible position to be able to make a claim.

  • If it’s safe to do so, check your roof regularly to see if there are any damaged or loose tiles
  • Clear out your gutters multiple times a year, especially after periods of heavy wind and rainfall
  • If you have one, check your attic for any signs of weather damage throughout the year, such as water damage from a leaking roof
  • If you have trees around your home, keep them as trimmed back as possible and ensure that there are no heavy branches that could fall onto your home. It might be necessary to contact a tree surgeon who can properly examine your property and see whether there are any trees around your home that could cause damage in a storm
  • Try to keep your garden in a good condition in general

Get a Quote

You might also be interested in: Car Insurance Guide to Storm Damage

Latest Posts