Storm damage insurance claims Let us deal with your insurer.
With the weather in the UK getting worse, there is more storm damage than ever before. If your home is damaged in a storm, get help as soon as you can, because a leaking roof can cause problems inside very quickly.
After a storm
- Stay safeKeep clear of loose tiles, chimneys, damaged walls and fallen trees.
- Don't go on the roofUse buckets and move belongings away from any leaks instead.
- Take photosOutside and inside, before anything is moved or repaired.
- Keep receiptsFor emergency work, like covering a hole in the roof.
- Let your insurer knowMost policies ask you to report damage promptly.
Storm damage we help with
High winds and rain can cause damage you can't see. The obvious signs are missing slates or tiles, or guttering and fascias hanging off. Whether you're covered depends on your policy, so we check it with you.
Roof tiles and slates
Missing or broken tiles that leave your home open to the weather.
Guttering and fascias
Damaged or hanging gutters, fascias and soffits.
Chimneys and flashing
Loose chimney pots, damaged stacks and lifted flashing.
Water coming in
Rain getting through a damaged roof and into ceilings and walls.
Fallen trees
Trees or branches brought down onto your home.
Walls and fences
Often excluded from storm cover, so we check your policy.
Insurers look closely at storm claims
Many policies only cover damage caused by a storm, not wear and tear, and insurers often check weather records and the condition of your roof. We gather the evidence that shows what the storm actually did, so your claim is presented properly.
Emergency repairs
Most policies expect you to stop further damage. A temporary repair, like covering a hole in the roof, is usually fine. Take photos first and keep the receipts, and we include the cost in your claim.
How the claims process works
From the first visit to the day your settlement is paid, here's what happens at each stage.
0800 689 3802Free home visit
We come and look at the damage, work out what caused it and talk you through how a claim would work, including our fee. There's no pressure to decide on the day. If you want us to go ahead, you sign a letter of authority so we can deal with your insurer for you.
We take over with your insurer
We tell your insurer we're acting for you. They will usually send a loss adjuster, who works for them, to look at the damage. We deal with the adjuster on your behalf and join the site meeting, so you're not facing it on your own.
We prepare your schedule of works
We put together a detailed schedule of works: every repair your home needs to get it back to how it was before the damage, with costs. Where your policy covers it, this includes trace and access, the cost of finding a leak and opening up walls or floors to reach it. Along with photos and reports, this is the evidence your claim is built on. We then send it to your insurer.
We negotiate your settlement
We go through your insurer's response line by line. If anything has been missed or undervalued, we challenge it on your behalf. We keep you updated throughout, and nothing is agreed without your say so.
Your settlement is paid to you
Once the settlement is agreed, your insurer pays it directly to you, less any excess on your policy. Our fee is then due, exactly as we agreed at the start. That completes our loss assessing service.
After your claim
Need the roof or building repaired? Our sister company, Renova Rebuild Ltd, can carry out roofing and building work under a separate agreement with you. You are not required to use Renova Rebuild in order to use our loss assessing service.
"I would highly recommend using Beon property claims whenever you are making an insurance claim. It takes away the stress of dealing directly with insurance providers."Susan, Bark review March 2022
Storm damage claim questions
Does home insurance cover storm damage?
Most buildings policies cover storm damage. Some define a storm by wind speed or rainfall, and many exclude wear and tear. We read your policy with you.
My insurer says it's wear and tear. Can you help?
It depends on the evidence. We look at the damage and the weather at the time, then tell you honestly whether it's worth challenging.
Can I get emergency repairs done?
Yes. Most policies expect you to stop further damage, so a temporary repair like covering a hole is usually fine. Take photos first and keep the receipts.
Are fences covered?
Many policies exclude fences and gates from storm cover. We check what yours says.
How long does a storm claim take?
It depends on how much damage there is and on your insurer. We keep you updated at every stage.
Storm damaged your home? Give us a call.
We'll talk you through where you stand and what happens next.