In short
Most buildings policies cover storm damage and most exclude wear and tear, so the question an insurer asks is whether the roof was in reasonable repair before the storm. The Association of British Insurers reports that insurers paid £244 million in storm claims in 2025, with an average storm payout of £2,450. A claim is helped by photographs taken before anything is touched, a roofer's written description of what failed and why, and an itemised invoice.
This is a job for our Storm damage roof repairs service.
What is usually covered
Damage caused by the storm: slates and ridge tiles blown off, flashings lifted, a chimney pot down, and the water damage inside that followed. Policies define a storm by wind speed or rainfall, and a named storm on the Met Office list is rarely argued with.
What is usually not
Wear and tear. A roof that was already losing slates every winter, cracked mortar that had been open for years, or felt that had perished: an insurer's surveyor will say the storm found a weakness rather than caused one. Gradual leaks are excluded almost everywhere.
The numbers
The Association of British Insurers' figures for 2025 give £244 million in storm claims, up 32 per cent on the year before, and an average storm payout of £2,450. Weather-related property claims in 2024 were a record £585 million. Those are national totals; the ABI does not publish a regional split, and the west coast of Wales is at the sharp end of them.
What gets a claim paid
- Report it promptly, before repairs beyond making safe.
- Photograph the damage from the ground and in the loft before anyone touches it.
- Get a roofer to make it safe and to write down what failed and why. That statement is the evidence.
- Keep the itemised invoice and any temporary-cover receipts.
- If the insurer sends a surveyor, be there and have the roofer's notes to hand.
A roofer who documents it
Tell us where you are and what has happened. We pass the enquiry to a local roofer who does storm work and knows what an insurer wants to see.