For storm damage roof insurance claims, photograph all damage immediately, keep receipts for emergency make-safe work, and get a written cause-of-damage report from a roofer. Most UK insurers accept storm claims where wind speeds were significant. Do not authorise full repairs before your insurer has assessed, unless make-safe is urgent.
Storm events cause roof damage across Stratford and Warwickshire every year. The immediate aftermath of a storm is also when homeowners are most vulnerable to poor-quality emergency work from contractors who travel to storm-affected areas specifically to take advantage of the demand. This guide covers what to do, in what order, when a storm damages your roof.
The Association of British Insurers defines storm for claims purposes with reference to wind speed (commonly gusts around 55mph or above); documented evidence of the weather event supports a valid claim.
— Association of British Insurers — storm claims guidance
Emergency make-safe covers the roof with a breathable temporary covering that prevents further water ingress without permanently altering the roof structure. This temporary measure allows the full extent of the damage to be assessed calmly and a proper repair specification developed. A competent contractor will not attempt a permanent repair in emergency conditions without a full assessment.
Most home insurance policies cover storm damage to the roof structure. Damage from gradual deterioration or wear and tear is not covered. For a successful claim you will need: photographs of the damage before any work; a written report from a contractor confirming the damage is consistent with storm causation; and evidence that the roof was in reasonable condition before the storm. We provide insurance-grade storm damage reports for all properties across Stratford and Warwickshire.
Call 01789 509542 any time for emergency storm damage response across Stratford and Warwickshire.
Call 01789 509542Most standard home insurance policies cover storm damage to the roof structure and covering, subject to the roof being in reasonable condition before the storm. Gradual deterioration and wear and tear are not covered. Contact your insurer before commissioning emergency work where possible, or immediately after for genuine emergencies.
Photograph the damage from ground level before any work begins. Obtain a written report from a contractor confirming the damage is consistent with storm causation. Keep the insurer informed before any permanent repair work begins where possible. We provide insurance-grade written reports for all Stratford storm damage assessments.
Emergency make-safe involves covering the exposed area of the roof with a breathable temporary covering material that prevents further water ingress without permanently altering the structure. The temporary cover remains in place until the full extent of the damage has been assessed and a permanent repair specification agreed.
Do not accept unsolicited visits from contractors arriving at your door after a storm. Call an NFRC-registered local contractor directly. Obtain a written quote for any emergency work before it begins. Do not pay cash in full in advance of any work. A legitimate local contractor does not cold-call for storm repair work.
No call-out fees. No obligation. Local roofers covering Stratford and Warwickshire since 2003.
01789 509542 ✉ Email Us