Storm damage and insurance work

How insurers usually look at storm damage

Most home insurance policies cover sudden damage from a storm, but not gradual wear and tear or a lack of maintenance. Many insurers define a storm by wind speed, so it helps to note the date and keep any weather warnings. Every policy is different, so check yours and tell your insurer as soon as you can.

Our job is to give you clear evidence: photos of the damage, a description of what we found and a written quote for the repair.

What to photograph

Take photos from the ground of any missing tiles or damage you can see, anything that's fallen into the garden, and any damage inside, such as stains or wet carpets. Don't move debris until you've photographed it, and don't climb up yourself. We'll take close-up photos from the roof.

Stopping it happening again

Storms find the weak spots: loose ridges, old verge mortar, tiles that weren't clipped, felt that's already split. When we repair storm damage we'll point out anything else that's likely to fail next time, so you can decide whether to deal with it now.