{"id":34228,"date":"2020-10-26T13:35:14","date_gmt":"2020-10-26T13:35:14","guid":{"rendered":"https:\/\/www.ratedpeople.com\/blog\/?p=34228"},"modified":"2021-01-22T15:56:23","modified_gmt":"2021-01-22T15:56:23","slug":"storm-damage-how-to-prepare-your-home","status":"publish","type":"post","link":"https:\/\/www.ratedpeople.com\/blog\/storm-damage-how-to-prepare-your-home","title":{"rendered":"What to do if your home is damaged in a storm"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">With winter fast approaching, homeowners across the UK are gearing up for storms, cold weather and any extreme bouts of weather. Check out our tips below to help you out with storm-proofing your house \u2013 as well as advice on what to do if worse comes to worst.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Precautions to take before a storm<\/em><\/h2>\n\n\n\n<figure class=\"wp-block-image alignwide size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"766\" height=\"540\" src=\"https:\/\/www.ratedpeople.com\/blog\/assets\/2020\/10\/shutterstock_1639961314.jpg\" alt=\"Storm damage: Broken garden fence in North Devon during Storm Ciara\" class=\"wp-image-34226\" srcset=\"https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125514\/shutterstock_1639961314.jpg 766w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125514\/shutterstock_1639961314-471x332.jpg 471w\" sizes=\"auto, (max-width: 766px) 100vw, 766px\" \/><figcaption>February 2020: Damaged fence in North Devon during Storm Ciara<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Walking around your house and garden to see if you can spot any potential issues is the first step in protecting your house against storm damage. Key things that you should keep an eye out for are: <\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Loose or dead tree branches in your garden \u2013 a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ratedpeople.com\/local-tree-surgeons\" target=\"_blank\">tree surgeon<\/a> can prune these for you.<\/li><li>Damaged roof tiles \u2013 <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ratedpeople.com\/local-roofers\" target=\"_blank\">contact a roofer<\/a> if you need any repairs done.<\/li><li>Unstable fencing \u2013 a <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ratedpeople.com\/local-wooden-metal-wire-fences\" target=\"_blank\">fencing specialist<\/a> is best placed to advise you on this.<\/li><li>Clogged gutters, which allow rainwater to build up \u2013 <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ratedpeople.com\/local-guttering-and-rainwater-pipe\" target=\"_blank\">get in touch with a gutter cleaner<\/a> to get rid of any debris. <\/li><li>Unsecured garden furniture, ornaments or tools \u2013 if you want to build or maintain a shed for storage, <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.ratedpeople.com\/local-garden-shed-playhouse\" target=\"_blank\">find a garden shed specialist<\/a>. <\/li><li>Cars on your driveway \u2013 if possible, park in a garage to protect your car from the elements.<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image alignwide size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"766\" height=\"511\" src=\"https:\/\/www.ratedpeople.com\/blog\/assets\/2020\/10\/shutterstock_1655759869.jpg\" alt=\"Storm damage: Flooded road in Tewkesbury, Gloucestershire following Storms Dennis and Ciara\" class=\"wp-image-34225\" srcset=\"https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125447\/shutterstock_1655759869.jpg 766w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125447\/shutterstock_1655759869-498x332.jpg 498w\" sizes=\"auto, (max-width: 766px) 100vw, 766px\" \/><figcaption>February 2020: Flooded road in Tewkesbury, Gloucestershire following Storms Dennis and Ciara<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Dealing with damage after storm<\/em>s<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Be careful!<\/strong> Watch out for hazards like exposed nails or broken glass. If you spot anything serious, such as the smell of gas, leave your house and contact your gas provider immediately<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Get in touch with your insurance provider as soon as possible.<\/strong> They can advise you on any questions that you may have with your home insurance claim, if you need one. If it\u2019s out of hours, check your policy document for the emergency contact number.<\/p>\n\n\n\n<figure class=\"wp-block-image alignwide size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"766\" height=\"511\" src=\"https:\/\/www.ratedpeople.com\/blog\/assets\/2020\/10\/shutterstock_1192766221.jpg\" alt=\"Couple looking at their house insurance policy documents\" class=\"wp-image-34224\" srcset=\"https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125411\/shutterstock_1192766221.jpg 766w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125411\/shutterstock_1192766221-498x332.jpg 498w\" sizes=\"auto, (max-width: 766px) 100vw, 766px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Note down and take photos of all damage<\/strong> \u2013 make sure to write down the date and time! This is useful information for your insurance claim<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. If you\u2019re staying in your house, you should check your electricity and gas supplies before using them.<\/strong> Don\u2019t touch any loose or exposed wires, obviously! Contact a <a href=\"https:\/\/www.ratedpeople.com\/local-electricians\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">qualified electrician<\/a> or a <a href=\"https:\/\/www.ratedpeople.com\/local-gas-heating-engineer\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">vetted gas engineer<\/a>. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><em>Does home insurance cover storm damage?<\/em><\/h2>\n\n\n\n<figure class=\"wp-block-image alignwide size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"739\" src=\"https:\/\/www.ratedpeople.com\/blog\/assets\/2020\/10\/shutterstock_662978449-sm-1024x739.jpg\" alt=\"Person visiting their house insurance provider's website on a tablet\" class=\"wp-image-34223\" srcset=\"https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125100\/shutterstock_662978449-sm-1024x739.jpg 1024w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125100\/shutterstock_662978449-sm-460x332.jpg 460w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125100\/shutterstock_662978449-sm-768x555.jpg 768w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125100\/shutterstock_662978449-sm-1536x1109.jpg 1536w, https:\/\/rp-prod-wordpress-b-content.s3.amazonaws.com\/assets\/2020\/10\/26125100\/shutterstock_662978449-sm-2048x1479.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In most cases, storm damage will be covered under home insurance. However, your insurer has to be satisfied that you\u2019ve maintained your home to a reasonable standard, and that any damage hasn\u2019t been caused due to disrepair. If your insurance claim is denied, you can complain to the <a href=\"https:\/\/www.financial-ombudsman.org.uk\/businesses\/complaints-deal\/insurance\/home-buildings-insurance\/storm-damage\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Financial Ombudsman<\/a>. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Check out more advice and <a href=\"https:\/\/www.ratedpeople.com\/blog\/tips-for-protecting-your-home-from-uk-weather\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">tips for protecting your home from UK weather<\/a>. \u00a0<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>With winter fast approaching, homeowners across the UK are gearing up for storms, cold weather and any extreme bouts of weather. Check out our tips below to help you out with storm-proofing your house \u2013 as well as advice on what to do if worse comes to worst. Precautions to take before a storm February &hellip;<\/p>\n","protected":false},"author":61,"featured_media":34227,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3049,8],"tags":[3116,3130,809,1569,2221],"class_list":["post-34228","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advice","category-how-to","tag-advice-feature","tag-storm-home-preparation","tag-winter","tag-winter-checklist","tag-winter-maintenance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Storm damage: What to do if your home is affected | Rated People<\/title>\n<meta name=\"description\" content=\"Winter&#039;s coming and so is stormy weather. 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