After a storm, we get two questions most often. Is this covered by insurance, and what should I do first? Here’s a practical answer to both.
What counts as “storm damage”
Most UK home insurance policies follow a similar rule, based on guidance from the Association of British Insurers (ABI). A storm is a spell of violent weather with wind gusts of at least 48 knots. That’s roughly 55mph, equal to Storm Force 10.
Insurers usually check recorded wind speeds for your area against this mark when they assess a claim. However, they will often take a flexible view where the data for your exact spot is unclear.
This matters because damage from ordinary wear and tear, rather than the storm itself, usually isn’t covered. If a roof was already in poor shape — loose tiles, failing flashing — before the storm hit, an insurer may argue the damage was really down to wear, not weather. This is one more reason it’s worth having roof problems fixed soon, rather than waiting. We cover this in our guide to the warning signs a roof needs replacing.
What’s typically covered
Standard buildings insurance usually covers damage to the roof itself. It also covers water damage that gets into the home as a result of storm damage to the roof. Damage to guttering is covered too, such as from tiles falling into it during high winds. Cover generally needs the roof to have been in fair shape beforehand.
What to do straight after a storm
- Check for immediate danger first. Loose tiles or debris can be a hazard. Keep clear of the area beneath the roof edge until it’s safe.
- Photograph the damage from the ground, both close-up and from a distance showing the full extent.
- Contain any leaks inside the house — see our emergency leak checklist for the immediate steps.
- Contact your insurer promptly to open a claim. Ask whether they need an approved contractor, or accept independent quotes.
- Get a roofer’s assessment and written quote. Most insurers will want this alongside your own photos before they approve repair work.
Avoiding a second problem
Storm chasers — unregistered tradespeople who go door-to-door after bad weather offering instant repairs — are worth being wary of. A genuine roofer will give you a proper written quote and won’t pressure you to sign on the spot. Our guide to choosing a trustworthy roofer in South West London has good questions to ask. Use them on anyone quoting for storm repair work.
We assess storm damage across Richmond upon Thames, Teddington and St Margarets. We can provide the written quote and photographic evidence most insurers ask for.
Related reading
- Choosing a Trustworthy Roofer in South West London: 10 Questions to Ask
- Roofing in a Conservation Area: Rules for Richmond, Twickenham & St Margarets
- How Much Does a New Roof Cost in Twickenham & Richmond? (2026 Price Guide)
- Flat Roof Repair vs Replacement: Which Do You Need?
- EPDM Rubber vs GRP Fibreglass vs Felt: The Best Flat Roof Material for London Homes
- How to Tell If Your Roof Needs Replacing: 8 Warning Signs
- What to Do When Your Roof Is Leaking: An Emergency Checklist
- Slate vs Tile Roofing for Period Homes in Richmond upon Thames