With a red weather warning currently in effect across parts of South-West England, the ABI is sharing important safety advice to help people stay protected during severe conditions. Louise Clark, Manager of General Insurance Policy at the ABI, said:
People will understandably be concerned about the disruption and potential damage associated with a red weather warning for wind in the south-west of England. Insurers are braced for bad weather at any time and will be on hand to support their customers throughout the claims process.
If it is safe to do so, taking a few precautionary measures may help reduce the risk of damage. Secure or store items in your garden that could be lifted by strong winds – such as trampolines, outdoor furniture or bins – to prevent harm to your property or neighbouring homes. Your insurance will still be valid if you’re driving during a red weather alert, but we advise you pay close attention to local authority and police warnings.
Should your property or vehicle be affected, contact your insurer as soon as possible for advice and support.
Louise Clark
Manager of General Insurance Policy
If your property has suffered damage as a result of storm force winds:
- Contact your insurer as soon as possible. Most will have 24-hour emergency helplines to ensure you get advice on what to do and arrange repairs as quickly as is possible, and you can also start your claim online.
- If necessary, arrange temporary emergency repairs to stop any damage getting worse, but speak to your insurer first.
- If you have to arrange emergency repairs yourself, tell your insurer and keep any receipts, as this will form part of your claim.
- Do not be in a rush to throw away damaged items, unless they are a danger to health, as these may be able to be repaired or restored. Your insurer will advise.
- Damage caused by storms and flooding is covered by most standard home insurance and commercial business policies, and comprehensive motor insurance.
- To keep up to date on whether or not it is safe to drive, you can follow weather reports and follow police advice.
You can read our FAQs on storm damage here.
Our full guidance on coping with storm damage can be found here.