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Storm Damage – How to Prepare and What to Do if Your Property is Affected

Storm Damage – How to Prepare and What to Do if Your Property is Affected

Can you claim for storm damage on your home insurance?

Yes, you can, and PCLA is here to help.

In this guide, we’ll talk you through:

  1. Tips to prepare for a storm – Steps you can take to safeguard your property and reduce the risk of damage.
  2. What’s typically covered by a home insurance policy – Understanding your policy can help you feel more confident in the event of a claim.
  3. What to do if you experience storm damage – A clear, step-by-step approach to navigating the aftermath of a storm.

Preparing for a Storm

Storms often come with warning from Met Eireann and especially in a Red Weather warning it’s imperative to take their advice, but a few proactive measures can make a big difference:

  • Inspect Your Property: Check your roof for loose or missing tiles, secure outdoor furniture, and clear gutters and drains to prevent water buildup.
  • Trim Trees and Branches: Overhanging branches can fall and cause significant damage to roofs, windows, and vehicles.
  • Secure Windows and Doors: Make sure any shed doors are secured and also ensure that the main properties windows and doors are shut.
  • Prepare an Emergency Kit: Include essentials like a torch, batteries, bottled water, non-perishable food, and a first-aid kit.
  • Know Your Utilities: Learn how to safely turn off your electricity, gas, and water if necessary.

What’s Typically Covered by a Home Insurance Policy

Most standard home insurance policies cover damage caused by storms, but it’s important to review your policy for specific details. Commonly covered items include:

  • Roof and Structural Damage: Repairs for roofs, walls, or foundations damaged by high winds or fallen trees.
  • Water Damage: If water enters your home due to storm damage, this is often covered.
  • Fencing and Outbuildings: Policies may extend to garden fences, sheds, and garages, but limits can vary.
  • Contents Insurance: If your personal belongings are damaged by the storm, they may also be included
  • Temporary Accommodation: Cost for Temporary Accommodation if the home is not habitable

What to Do if You Suffer Storm Damage

If your property is impacted by a storm, follow these steps to ensure your safety and manage the situation effectively:

  1. Ensure Safety First:
    • Avoid entering any areas of your home that are structurally unsafe.
    • Watch for fallen power lines, flooding, or other hazards.
  2. Document the Damage:
    • Take clear photos or videos of the damage as soon as it’s safe to do so.
    • Make detailed notes of what has been affected, including damage to the property and belongings.
  3. Contact a Loss Assessor:
    • A professional loss assessor can help you navigate the claims process, ensuring you receive the maximum settlement you’re entitled to.
    • If possible contact a loss assessor before your insurance company.
  4. Make Temporary Repairs:
    • If safe, carry out minor repairs (e.g., covering a broken window with a tarp) to prevent further damage.
    • Keep receipts for any materials or services, as your insurer may reimburse you.
    • They will handle communication with your insurer and advocate on your behalf, reducing your stress during a difficult time.

By preparing ahead of time and knowing how to respond, you can minimise the impact of storm damage on your property and recover more quickly.

If you need help with a claim, our experienced loss assessors are here to guide you every step of the way.

Contact us now on 1800989989

Storm Damage – How to Prepare and What to Do if Your Property is Affected Storm Damage – How to Prepare and What to Do if Your Property is Affected Storm Damage – How to Prepare and What to Do if Your Property is Affected

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