Homeowner storm advice | Severe Weather | Support | Personal | Zurich Insurance

Homeowner storm advice

Weather forecasts may advise when severe wind storms are about to occur, however, you can get localised storm conditions without warning.

How to minimise or prevent damage from storms

If you have prior warning, ensure that items in the open are either placed indoors or are securely fixed down.

The best way to prevent damage is to make sure you watch out for any signs that maintenance is needed to your property and act on it:

  • Keep your fences and boundary walls in good condition.
  • Make sure that drain pipes and gutters are properly fixed in place and maintained.
  • Keep gutters and drains clear so that rain water can drain away.
  • Ensure that any slipped/cracked slates and tiles are fixed or replaced as soon as possible.
  • Look out for cracked or loose cement around ridge tiles or chimneys and get them repaired.
  • Remember that felt flat roofs only have a limited life expectancy and they need to be regularly checked.
  • Replace any blown brickwork and fill cracks in rendering.
  • Keep external woodwork in good condition and renew weatherproof coatings on a regular basis.

What should I do if a storm causes damage to my property?

  • Call us on 0800 026 1757 as soon as possible if you need assistance or there is damage. It would be helpful to have your insurance documents to hand when you call.
  • Alternatively, if you prefer, you may download and complete a Home Insurance Claim Form, but please note that issue of the form is not acceptance of policy cover.
  • We will be able to advise you of the best course of action, depending on the severity of the damage.
  • Carry out any temporary repairs to prevent further damage but don’t put yourself at risk, and make sure you keep any receipts or invoices for work carried out. However, don’t use your own tradesman for full repairs unless you have been advised by Zurich to do so.
  • It is always a good idea to make a list of any items damaged and to take photos of the damage where possible.
  • You should ensure your safety and keep clear of areas of loose roof coverings or damaged walls.
  • If it is safe to do so, salvage your belongings to prevent further damage - but without putting yourself at personal risk.
  • If there is water coming into the property and it’s safe to do so, move contents to upper floors or higher areas to prevent further damage.

Other important information

If there has been widespread damage we will do all we can to maintain our usual levels of service but please be patient if it takes us a little longer than usual to get to your call. If you arrange your policy through a broker they may be able to provide you with advice and/or a claim form.

Remember it is unlikely that contractors will be able to carry out any repairs until the weather conditions improve and they will usually only be able to work in daylight.

If there is considerable damage in any particular region there may be a shortage of building contractors so it may take a little while before an emergency contractor can be provided by us or be located by you.

Always check your policy documentation before you call us to make sure you have cover for the damage you are claiming for.