Before the storm – homeowners warned to protect properties

“Like floods, tornadoes, earthquakes and freeze, storms and gales are covered as standard by your home insurance policy,” said Rob Townend, director of property claims at Aviva

“There is no such thing as an “Act of God” exclusion – this is exactly what your insurance covers you for!

“So any damage caused to your property as a direct result of storm force wind and rain is covered and if you are forced to move out of your home the cost of alternative accommodation is also paid for. We can make separate arrangements for your pets too!”

What to do before the storm

Park the car in a garage, or away from large trees.
Secure or lock- away loose objects such as garden furniture and ornaments, bikes, children’s toys and ladders.
Fasten all doors and windows.
With electrical storms, remove the aerial from the TV set.
If you have time:

Check for loose tiles on the roof
Secure any weak fences and posts – to minimise the risk of causing damage to other parts of your property
Check aerials or satellite dishes are securely fixed
What to do after the storm

If your property suffers damage, ring your insurer immediately. Aviva has dedicated teams of experts who will be able to give you advice on how to prevent further damage and to assist you in sorting out your claim.

The most common types of storm claims

Roof tiles blown off, often in conjunction with damage to gutters, fascias etc.
TV/radio aerials damaged.
Breakage of glass – most often greenhouse glass.
Lifting of roofing felt, particularly on sheds.
Damage to chimneys.
Trees falling down and damaging buildings
Boundary walls blown down.

But do bear in mind an insurance policy is not a maintenance policy – most companies expect your home to be in reasonable condition, wear and tear isn’t covered. Fences, gates and hedges that have blown down as a direct result of high winds are also generally excluded.

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