How to Respond to a Storm

When severe weather is forecast, homeowners should act quickly to take measures that can prevent or at least limit potential damage. Karin Brandl, claims expert at ERGO, shares her advice on what to do and what to watch out for.

Protective Measures

If a storm or even a hurricane is predicted, it’s crucial to prepare to minimise damage. "Secure loose items such as garden furniture, bins, flowerpots, and bicycles, or move them to sheltered areas," advises Karin Brandl. "Reel in or dismantle awnings and sun sails, keep roller shutters closed, and make sure windows and doors are shut tight." It’s also wise not to park vehicles near large trees or scaffolding. In particularly severe conditions, it may be sensible to keep important documents, medications, and valuables close at hand, should residents need to leave the house at short notice. "During a storm, stay calm and follow the warnings issued by the Met Office carefully," Brandl recommends.

Behaviour During the Storm

When the storm is in full force, it’s vital to avoid putting yourself or others in danger. "Avoid going outside during the storm, especially near trees, power lines, or construction sites," warns the ER-GO expert. If you must be outdoors, stay alert for flying debris and falling branches, and steer clear of vulnerable areas such as parks, forests, or open spaces. Inside, keep windows closed and avoid standing near large glass panes.

After the Storm

Once the danger has passed, it’s advisable to check for any damage caused by the storm. "After a thorough walk-around of your home and garden, document all visible damage with photographs and contact your insurer promptly," suggests Brandl. Pay special attention to damaged roofs, loose tiles, or broken branches. Taking steps like covering damaged windows or clearing away debris can help prevent further problems. If water has entered the property, experts should pump it out quickly and dry the affected rooms.

Reporting Damage

Once all damage has been assessed, it’s important to report it to your insurer without delay. Many companies now offer online claims services. Typically, you’ll need to provide your policy number, details of when and how the damage occurred, and the extent of the damage. Photos and receipts can speed up the process. "Anyone wishing to protect themselves against subsequent damage from heavy rain or flooding should check whether their policy covers additional natural hazards," explains Brandl.