Once you report storm damage, our claims department will check local weather records to see if the weather you experienced meets the requirements to be considered a storm. For more information, please refer to the question 'What counts as storm damage?'

If the requirements for a storm damage claim are met, then a storm specialist supplier will be appointed to view your property, either in person or remotely.

After they have assessed the damage, a decision will be made by the supplier as to whether they think the damage to your property was caused by these recent weather conditions or by something else, such as general wear and tear.

• If they agree the damage was caused by the weather conditions, we will consider which of the following options is best suited to your circumstances:
• We may be able to offer you a cash settlement for you to pay for the repairs
  If there is more work to be done, we may instruct one of our approved contractors to contact you directly and make arrangements for the repairs
• If the damage is substantial, we'll appoint an expert to manage the claim - either remotely or in person - and talk you through the best course of action

Make a home insurance claim

Manage a home insurance claim