Minimising the risk of storm damage
Minimising storm damage risk involves securing structures, reinforcing vulnerable areas, and staying informed about weather forecasts
Since 2018, storm claims have climbed from being the fourth to the second most common claim at Total Landlord Insurance.
The number of storm claims quadrupled between 2018 and 2022, with the average claim paid peaking at £10,801 in the 2020 storm season.
Most storm damage claims are for roof damage, typically as a result of high winds causing tiles to fall off the roof.
Most recently, landlord insurance claims for storms Dudley and Eunice (both in February 2022) averaged £4,156, with one claim coming in at an eye-watering £93,020 when a fir tree fell, impacting the roof, sash windows and rear balcony of a property and causing extensive damage.
February is the most common month for storm damage claims, so it’s a good idea to prepare your rental property to reduce the impact at this time of year.
Carry out regular external inspections in daylight, paying particular attention to loose roof tiles, guttering, downpipes and trees
In late autumn clear gutters and drains of debris
In winter when the leaves are gone, trim trees, inspect the roof and carry out repairs, and check that windows and doors are watertight and secure
Fence panels are usually excluded from insurance policies, so make sure they are properly secured
Check that garden gates are secure and remind your tenants to keep them shut
Forewarned is forearmed, so check the Met Office weather forecast regularly so that you can take extra precautions if you know a storm is approaching
For more guidance read our guide, ‘How to protect your rental property from storms’.