In the aftermath of Storms Dudley, Eunice and Franklin, many UK households are facing damage from high winds, flooding and fallen trees. Buildings insurance policies typically cover financial loss caused by storm damage, but insurers may dispute what constitutes a storm, so policyholders need to act carefully.
Kelly Whittington, property and speciality lines claims director at Aviva, said claims mainly relate to missing roof tiles and broken windows, but more devastating cases such as fallen chimney stacks and trees falling on homes or vehicles are being seen. Direct Line has increased phone line capacity to handle high inquiry volumes, and the Association of British Insurers (ABI) said firms will prioritise vulnerable and elderly customers.
The ABI defines a storm as wind gusts of at least 48 knots (55mph) – equivalent to 10 on the Beaufort scale – or hail intense enough to damage hard surfaces or break glass. Your insurer may have its own definition. If the weather in your area does not meet the criteria, your claim may be turned down.
To claim, notify your insurer as soon as possible via their 24-hour helpline. Take photos and keep evidence of damage. Speak to the insurer before arranging urgent repairs or temporary accommodation, as they may have emergency repair teams or cover these costs. Keep receipts for any work done.
Buildings cover pays for damage to your home and may cover accommodation costs if you cannot stay. Contents insurance covers possessions; check if garden furniture, bikes or freezer contents are included. If your electricity supply is cut, you may be entitled to compensation from your local network company – £70 for domestic or non-domestic customers, depending on Ofgem's severe weather categorisation.
