Storm Franklin: Will your insurance cover the damage and how do you claim? | Sure

Storm Dudley came first, hitting Northern Ireland, northern England and southern Scotland. Storm Eunice quickly followed on Friday, packing wind speeds of up to 122 mph, causing more destruction.

Then Storm Franklin arrived overnight on Sunday, causing heavy rain and flooding. Hundreds of people were evacuated from their homes and more than 150 flood warnings remained in place across northern England on Monday, with Yorkshire and Manchester among the worst affected.

What happens if extreme weather damages your property?

Will my insurance cover storm damage?

Building insurance policies typically state that they will cover financial losses caused by storm damage.

Kelly Whittington, Director of Property Claims and Special Lines at Aviva, said: “Currently, claims are mainly related to missing tiles and broken windows. However, we are seeing some more devastating cases, such as fallen chimneys and trees falling on houses or vehicles.

“We have field teams across the UK and they will be concentrating on the worst affected areas. These teams will be visiting our customers to help them with their claims in the coming days.”

A Direct Line spokesman said the company has “significantly increased capacity” on its phone lines to handle an “understandably high volume of inquiries.”

The Association of British Insurers (ABI) said companies would prioritize their vulnerable and elderly customers first when dealing with claims.

However, companies have been known to argue about what constitutes a storm.

Last year, Guardian Money dealt with a case where an insurer refused to pay to repair a leaky roof damaged during Storm Christoph. The Financial Ombudsman Service says these types of disputes are among the top complaints it receives about unpaid storm damage claims.

The ABI says that a thunderstorm is a period of violent weather defined as:

  • wind speeds gusting to at least 48 knots (55 mph) – equivalent to 10 on the Beaufort scale or;
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