Preparing for a storm
While we can't control the weather, floods, and storms often lead to significant home insurance claims. Proactive measures can prepare your home for inclement weather, potentially preventing or mitigating damage.
Adverse weather is unpredictable, though historically, most storm-related claims arise in the first quarter. However, in 2023, storms Antoni and Betty deviated from this trend, occurring in August. This underscores the importance of being prepared year-round.
To ensure you're well-equipped for any weather scenario, we offer expert tips for safeguarding your home.
Roof
Roof damage consistently ranks as the most common claim following a storm. Annual inspections of your roof for any broken or missing tiles are crucial. You can safely conduct this inspection from the ground using binoculars, checking for any cracks or openings. Prompt professional repair of any identified issues is vital to prevent strong winds from exacerbating the damage by lifting the tiles.
Chimneys
Chimneys are vulnerable to storm damage. Minor pre-existing issues, such as cracked bricks, absent chimney caps, or impaired flashing, can escalate into major problems following a storm. Therefore, it's essential to address and repair these faults promptly to avoid further complications.
Garden Furniture
Securing Loose Items: Before a storm, it's crucial to secure loose garden items like furniture, flowerpots, hanging baskets, and ornaments. Store them in a shed or garage to prevent damage from wind-blown debris. For larger items like trampolines, consider anchoring them securely to avoid movement during storms.
Boundary Hedges and Fences
Reinforcing Boundaries: Remember that most home insurance policies don't cover storm damage to fences and hedges. Ensure these are well-maintained and fix any defects promptly to minimize the risk of severe damage during a storm.
Gutters and Drains
Maintenance Checks: Regularly inspect and clean your gutters and drains to avoid blockages, which can cause significant issues during heavy rainfall.
Be Safe
DIY Caution: If you're undertaking repairs, especially unfamiliar tasks, prioritize safety. When in doubt, it's advisable to rely on professional help to avoid accidents.
TIPS FOR WHAT TO DO DURING A STORM
Seek Shelter
During a storm, it's safest to stay indoors. If you're outside, find indoor shelter as quickly as possible.
Emergency Kits
Prepare an emergency kit with essentials like blankets, drinking water, a torch, first-aid supplies, and a copy of your home insurance documents.
Charge Your Phone
Ensure your phone is fully charged in anticipation of power outages during a storm.
Flood Warnings
In flood-prone areas, use sandbags or portable flood defenses at doorways. Move valuable items upstairs and turn off utilities if water enters your home. Avoid electrical appliances if wet and seek professional advice if unsure.
In Scotland, you can receive flood warnings in SMS format to your mobile phone from the Scottish Environment Protection Agency by going to:
