Storm Hub

We've outlined the steps that you should take if you need to check for storm damage or make a claim.
How to make a storms claim

If you need to know exactly what your home insurance covers, the quickest way is to check your policy documents. Here is a quick overview.

• Is your property uninhabitable or unsecured?
• Do you need to make us aware of any exceptional circumstances affecting you or someone you live with?
• If so, then please get in touch by calling 0345 165 5753 and we'll get you to the right person as soon as possible.

• This will depend on the cover you have. If you have buildings cover, in the event of a successful claim, any part of your building which has been damaged as a result of the extreme weather will be covered.
• If you have contents cover, then any damaged contents will be covered.
• Policy limits are shown in your policy documentation.
• Fences, gates, trees and hedges are not covered in the event of storm damage under your buildings cover. Please refer to your policy booklet as some garden items may be covered under contents cover if you have that.

In many declined claims it is not the weather event which caused the damage but an existing underlying problem, which the recent weather event highlighted.

Wear and tear is a common reason as to why storm claims are declined. This is especially the case with flat roofs that are over 10 years old or old tiled roofs.

It's difficult for a weather event to damage well-maintained properties, unless it is quite extreme. For more information, please refer to the section 'What counts as storm damage?'

We understand that some customers like to stay in their own homes where possible, so we can provide facilities like temporary kitchens and bathrooms to enable you to do so. If you do have to leave the property, we will help you make those arrangements, whether this is staying with relatives or checking into suitable alternative accommodation.

For more information on alternative accommodation cover please refer to your policy documentation.