When bad weather strikes, it pays to be prepared. Severe storms can cause damage to your property, knocking off chimneys and breaking branches from trees. Damage can often be unavoidable, but there are some things you can do to protect your home, and help minimise the risks from storms and flooding.
Preparing for bad weather
- Make sure you have sufficient food to last a few days should the weather prevent you from leaving the house.
- Keep torches and spare batteries somewhere easily accessible.
- Have warm clothing and blankets to hand.
- Secure or lock away any garden furniture or implements that could be blown about by high winds.
- Keep track of local weather warnings on the radio, TV, or online such as the Met Office website.
If you’re also at risk of flooding
- If possible, move any valuable or sentimental possessions to an upper floor, or somewhere that will be above the water level.
- Make sure you have emergency contact numbers of your local authority and utilities companies close to hand.
Flood Recovery Guide
You can download this free Flood Recovery Guide for more detailed information and guidance on how to cope with flooding.
Following a flood
- Call the expert claims team as soon as you can, so they can advise you on the best course of action. They are available 24 hours a day, 7 days a week. How to make a claim.
- Photograph and record any damage to your buildings or possessions.
- Don’t use any gas or electrical appliances until your home has been assessed by a qualified engineer.
- You won’t be able to begin any restoration work until your house is completely dry, which may mean living elsewhere for several months.
If you need to move out of your house temporarily
If the damage to your home renders it uninhabitable, the costs of temporary alternative accommodation, whether this is a short stay in a hotel, or renting another property, will be covered by your insurance. Alternatively, an inconvenience allowance could be provided if you decide to stay with friends or family. The amount of cover available is up to 20% on the buildings sum insured (if buildings cover selected and a claim is made under the buildings section of the policy) and up to 20% on the contents sum insured (if contents cover selected and a claim is made under the contents section of the policy).