Last updated: 02 November 2025

Storm Claims

Insurers treat “storm” as a defined peril, not just “bad weather”. Definitions matter when tiles lift, fences topple, or trees fall. This guide shows what typically counts as storm, what to do, and how to evidence cause and condition.

What usually counts

• Exceptionally strong wind capable of damaging a well-maintained property.
• Short, intense rainfall or hail causing sudden damage.
• Snow loading that collapses or distorts structures.

Immediate actions

• Make safe: cover exposed areas if it’s safe.
• Photograph roof slopes, broken tiles, detached gutters, and internal staining.
• Record the event date (or window) as accurately as you can.

Evidence that helps

• Exterior and interior photos with close-ups.
• Notes from a roofer describing wind uplift or impact.
• Any local weather references from the same period.

Coverage notes

• Roofs: Storm damage to tiles or felt usually covered; poor maintenance may be declined.
• Flat roofs: Expect questions about age and maintenance.
• Fences: Often excluded — check your policy.
• Trees: Damage to the building is usually covered; tree removal may be limited.

Repairs and reinstatement

1. Temporary weatherproofing.
2. Permanent repairs to roof coverings and flashings.
3. Internal drying and redecorations once moisture is stable.

Avoiding disputes

• Keep simple maintenance records (an annual roof check note helps).
• Ask contractors to state if damage is consistent with wind uplift or impact.
• If declined for maintenance, request the evidence and consider a second opinion.