How To Cope After a Bad Storm
Learn the key steps to take after a storm, from documenting damage to checking your insurance cover
Key points:
- Put safety first and assess any damage from a safe distance.
- Keep records and take photos to help make the claims process smoother.
- Check for storm damage beyond your home, such as outdoor features.
- Knowing what your policy covers for reassurance when you need it most.
Where to start
First of all, be careful. Even before you think about making a claim for damage to your property, you want to minimise the risks to yourself. If your property has suffered physical damage, try not to stand too close to walls when you go outside. See what damage has been done and check for fallen roof tiles from a safe distance.
Get in touch with your insurer. Insurers know they’re likely to get calls after storms, so you’ll be talking to people who are prepared for your questions.
Check your cover. If power lines have come down and you have no electricity, it’s not likely your insurer will provide alternative accommodation unless there’s damage to your actual building. But you may find that you are covered for loss of food from fridges and freezers.
Make a list and take pictures of anything that’s damaged – it helps insurers to process claims more smoothly.
Keep receipts for any emergency repairs you make like new panes of glass or roof repairs. Your insurance company will probably want you to get their agreement on making repairs before you go ahead but be practical, you don’t want a bad situation to get worse just because you can’t get through on the phone.
What sort of damage do storms cause?
Here are a few of the common ways a storm can affect your property:
Roof tiles: These are easily blown off in severe weather, and gutters or fascia's could also be damaged.
TV aerials or satellite dishes: These may be covered by your insurance and can often come down in high gales.
Broken glass: If you have a conservatory, outhouses or a greenhouse, you may have smashed windows to contend with. If you’re confident about it as a job you’ve done before perhaps, then you could take steps to remove glass carefully.
Trees falling down and damaging buildings: If your neighbour’s tree falls and causes damage to your property, then your neighbour will probably have to claim on their insurance. But do be aware that, if you don’t act appropriately, for example, getting a tree trimmed if it’s diseased and could cause damage, then you could be considered negligent (and your neighbour may want to claim from you).
Boundary walls: Your policy probably won’t cover fences, gates or hedges but it may well cover boundary walls blown down by stormy weather, as long as they’ve been kept in good condition up to that point.
Sometimes, stormy weather can cause flooding. Read more about what to do in case your home is flooded.
Looking for home insurance?
Get 20% home insurance discount when you buy online Footnote [1]
How to make a claim
For Aviva home insurance go to our home claim page to find out how to claim.
Alternatively, call us on 1800 147 147 (lines open 24 hours)
For Aviva car insurance go to our car claim page to find out how to claim.
Alternatively, call us on 1800 147 147 (lines open 24 hours)
For our joint protection, telephone calls may be recorded and/or monitored.
Get more information on Aviva home insurance
Related articles
