Storm Damage Insurance Claim Support That Maximises Your Settlement
Severe weather can cause sudden, devastating damage to your property. Whether it’s high winds, heavy rainfall or a fallen tree, storm damage can result in significant disruption to both homes and businesses. At All Property Claims (APC), we provide expert guidance and support through every step of the storm damage insurance claim process, getting your property back to normal as quickly as possible.
What Counts as a Storm for Insurance Purposes?
Insurers use specific criteria when deciding whether damage qualifies as storm-related. It’s not enough that bad weather occurred – the event must meet the insurer’s definition of a “storm.”
Typically, storm conditions include:
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- High winds strong enough to cause structural damage (often equivalent to Gale Force 10 or gusts over 55mph)
- Wind-driven rain entering the property through storm-created openings, such as lifted tiles, damaged flashing or broken roofing materials
- Heavy rain that penetrates the property only because the storm has compromised the building fabric (insurers do not cover rainwater that enters without storm-created damage)
- Sudden impact damage, such as falling trees or debris brought down by storm-force winds
- Hail, snow or lightning strikes that cause immediate physical damage to the property.
If your insurer believes the damage resulted from age, deterioration or poor maintenance rather than a storm, they may reject or reduce the claim.
Our team gathers independent surveys and full evidence to demonstrate that the conditions did meet the insurer’s definition of a storm – a key requirement for successful settlement.
Common Causes of Storm Damage
Storm damage is different from flooding. Storm claims relate to wind or impact damage and rainwater entering through storm-created openings, whereas flood claims relate to rising external water such as groundwater or river overflow.
Storm damage can result from various extreme weather events, each causing different types of destruction:
High Winds
Wind-driven heavy rain can enter the property when the storm has damaged the roof, gutters or windows, leading to internal water damage.
Falling Trees Or Branches:
Often driven by high winds, these can cause significant damage to roofs, walls, and vehicles.
Heavy Rain
Can damage roofs, gutters, or windows, allowing water to enter the property and cause internal damage.
Lightning Strikes
Can cause fires or structural harm by striking trees or buildings directly.
Struggling With Storm Damage or Roof Issues After Bad Weather?
Storm-related water ingress can cause hidden issues such as damp, mould, weakened timbers and long-term structural deterioration. That’s why our team takes immediate steps to protect your property.
Where required, we arrange:
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- Emergency moisture control to stop further spread
- Professional structural drying using industry-approved equipment
- Monitoring of affected materials (plasterboard, floors, insulation, timber)
- Documentation of all moisture readings to support the insurance claim
These early actions help prevent secondary damage and form part of the evidence insurers rely on when assessing your storm claim.
What’s Covered in Storm Damage Insurance Claims?
Roof Repairs Or Replacement
Internal Repairs From Water Damage
Tree And Debris Removal
Structural Repairs To Buildings And Walls
Broken Windows Or Exterior Damage
At APC, we work with homeowners, landlords and businesses to assess the damage, document the cause and guide you through the storm damage insurance claim process, removing the stress normally associated with insurance claims.
We don’t just handle paperwork. Once we secure a fair settlement from your insurer, we also complete all reinstatement works, making us far more than a standard loss assessor.
How APC Handles Storm Damage Claims
If your property has been affected by a storm, All Property Claims is here to help you navigate the storm damage insurance claim process. From assessment to repairs, we manage the entire claim with no hidden costs.
1. Initial Assessment
We reach out to you promptly after your storm damage is reported. Our expert team conducts a thorough inspection to document all damage, using photos, measurements and evidence to back up the claim.
2. Damage Report Preparation
We create a detailed damage report for your insurer, clearly outlining the cause and scope of the damage, along with the necessary repairs. Since insurers require clear evidence that the damage was caused by a storm rather than wear and tear or lack of maintenance, this strengthens your claim and ensures a smoother process.
3. Submitting the Claim
We manage all paperwork, submitting the claim directly to the insurance company. Our team ensures that the claim is filed accurately and completely to avoid unnecessary delays.
4. Negotiation With Insurers
We liaise with insurers and loss adjusters, ensuring the claim is validated and settlements are fair. Our experienced team negotiates on your behalf to get the best possible outcome. As an FCA-regulated firm, APC negotiates directly with insurers on your behalf, ensuring your claim is handled transparently and professionally at every stage.
5. Repairs and Reinstatement
Once the claim for storm damage is settled, we coordinate repairs with our trusted network of contractors. We handle all work, ensuring that the property is fully restored to its pre-storm condition. If unexpected issues arise during repairs, we go back to the insurer for further funding, ensuring that you are not left with hidden costs.
Customer Testimonials
Lara – October 2025
★★★★★
All Property Claims is unlike any other company I’ve used before. Their support is second to none, especially when dealing with insurance issues. I’ve never regretted using them; they’ve been absolutely invaluable. Their tradespeople are professional, efficient, and complete work…
Eloise – September 2025
★★★★★
I can’t thank All Property Claims enough for their outstanding service. After experiencing a devastating flood, they guided me seamlessly from the chaos to resolution. Their expertise, dedication, and support made all the difference in restoring normalcy. Highly recommend!
Matteo B – April 2025
★★★★★
Allpropertyclaims was instrumental in ensuring the damage from a leak was properly assessed, investigated and repaired. They were really supportive throughout the lengthy process of dealing with the insurance, and took the lead in dealing with a particularly challenging…
Our Team
Our team consists of skilled claim specialists who take pride in supporting clients through every stage of a storm damage claim. From the first inspection to the final repair, we ensure that each client receives expert attention and care throughout the claims process.
Abhijeet Singh
Claims Manager
Matthew Farthing
Claims Manager
Sheriece Connally
Contracts Manager
Storm Damage and Insurance Claims Case Studies
Storm Damage To Roof
Incident
During a period of severe stormy weather, the lead flashing on the roof of this semi-detached home was damaged, allowing water to enter the property. The resulting ingress affected the internal walls, ceilings, and the newly installed hardwood flooring which ran seamlessly throughout the open-plan ground floor.
Client Concerns
The homeowner had recently renovated the property before placing it on the market. The premium wooden flooring had been laid without thresholds across the living room, kitchen and hallway, creating a continuous, high-value finish. She was concerned that the insurer would only agree to replace a small section of the floor, which would diminish both the appearance and resale value of her home.
How APC Handled the Claim
Once appointed, we demonstrated that official weather data confirmed storm conditions on the date of damage, which was crucial evidence to ensure the claim could not be rejected on grounds of poor roof maintenance. We immediately installed drying equipment to limit further deterioration while awaiting the insurance loss adjuster’s inspection.
The insurer accepted liability for damage to ceilings and walls; however, they initially refused to replace the entire floor. They proposed sanding and re-varnishing, which would have removed the distinctive bevelled edges, or replacing only the damaged section and installing thresholds, neither of which would restore the property to its original standard.
We successfully argued that the property should be reinstated to its pre-loss condition and that the continuous flooring formed part of the intended design and market value. There were no policy restrictions to justify partial settlement. The insurer ultimately agreed to fund full replacement of the entire floor spanning all affected rooms.
Repairs were completed and shortly afterwards the owner accepted an offer at her desired price, delighted that her property had been fully restored.
Before:
Work In Progress:
After:
Storm Damage to Roof Guttering
Incident
Following a spell of stormy autumn weather, the homeowner discovered water leaking into the kitchen, damaging specialist decorative plasterwork on feature walls. A roofer identified that the guttering had become blocked by leaves, causing rainwater to overflow and penetrate the property.
Client Concerns
The client was particularly worried about the repair of the bespoke plaster finish, as it required skilled craftsmanship and could not simply be repainted or patched by a standard decorator. He wanted reassurance that his smoke insurance claim would reflect the true cost of restoring this high-quality interior.
How APC Handled the Claim
The insurer initially intended to decline the claim, arguing that wind speeds did not meet the threshold to be classified as a storm and that the homeowner failed to maintain his gutters. We demonstrated that this position was unreasonable: the volume of leaves was directly linked to unusually windy weather conditions, and it is not practical to expect homeowners to clear gutters after every gust of wind.
We also identified that the client’s policy included accidental damage cover. While this meant the insurer did not have to cover the gutter clearance, they were responsible for internal water damage. By repositioning and presenting the claim correctly, we secured full approval for all necessary internal repairs.
Our restoration team reinstated the feature walls to their original standard, ensuring the client’s kitchen retained its unique character and value.
Before:
After:
Damage from Heavy Rain
Incident
A company in the care homes sector had its offices in London internally damaged by storm/heavy rain. The plaster in the damaged area of the ceiling and walls was saturated so they contacted us to deal with their roof damage insurance claim
Client Concerns
As the offices in which damage was observed were fully staffed, the client was keen not to disrupt two working offices while internal repairs were in progress, as this would possibly result in an interruption to business with an accompanying loss to the company.
How APC Handled the Claim
As no storm conditions were recorded at the time of the incident, which is as defined as winds exceeding 40mph or several inches of rainfall per hour, we advised the client that roof repairs would not be covered. However, insurers were required to meet the cost of internal repairs under accidental damage cover.
We negotiated with the insurer to agree to full building reinstatement costs, including a surcharge for work carried out during evenings and weekends to minimise disruption. The alternative would have been a substantial business interruption claim, and the insurer agreed that our approach was the more cost-effective solution.
Once the claim was settled, we coordinated with the building’s facilities management team to arrange out-of-hours access so work could be completed with minimal operational downtime, ensuring the office was able to re-open swiftly.
Before:
After:
Storm Damage To Roof
Storm Damage to Roof Guttering
Damage from Heavy Rain
Case Study: Storm Damage to Roof
Incident
During a period of severe stormy weather, the lead flashing on the roof of this semi-detached home was damaged, allowing water to enter the property. The resulting ingress affected the internal walls, ceilings, and the newly installed hardwood flooring which ran seamlessly throughout the open-plan ground floor.
Client Concerns
The homeowner had recently renovated the property before placing it on the market. The premium wooden flooring had been laid without thresholds across the living room, kitchen and hallway, creating a continuous, high-value finish. She was concerned that the insurer would only agree to replace a small section of the floor, which would diminish both the appearance and resale value of her home.
How APC Handled the Claim
Once appointed, we demonstrated that official weather data confirmed storm conditions on the date of damage, which was crucial evidence to ensure the claim could not be rejected on grounds of poor roof maintenance. We immediately installed drying equipment to limit further deterioration while awaiting the insurance loss adjuster’s inspection.
The insurer accepted liability for damage to ceilings and walls; however, they initially refused to replace the entire floor. They proposed sanding and re-varnishing, which would have removed the distinctive bevelled edges, or replacing only the damaged section and installing thresholds, neither of which would restore the property to its original standard.
We successfully argued that the property should be reinstated to its pre-loss condition and that the continuous flooring formed part of the intended design and market value. There were no policy restrictions to justify partial settlement. The insurer ultimately agreed to fund full replacement of the entire floor spanning all affected rooms.
Repairs were completed and shortly afterwards the owner accepted an offer at her desired price, delighted that her property had been fully restored.
Before:
Work In Progress:
After:
Case Study: Storm Damage to Roof Guttering
Incident
Following a spell of stormy autumn weather, the homeowner discovered water leaking into the kitchen, damaging specialist decorative plasterwork on feature walls. A roofer identified that the guttering had become blocked by leaves, causing rainwater to overflow and penetrate the property.
Client Concerns
The client was particularly worried about the repair of the bespoke plaster finish, as it required skilled craftsmanship and could not simply be repainted or patched by a standard decorator. He wanted reassurance that his smoke insurance claim would reflect the true cost of restoring this high-quality interior.
How APC Handled the Claim
The insurer initially intended to decline the claim, arguing that wind speeds did not meet the threshold to be classified as a storm and that the homeowner failed to maintain his gutters. We demonstrated that this position was unreasonable: the volume of leaves was directly linked to unusually windy weather conditions, and it is not practical to expect homeowners to clear gutters after every gust of wind.
We also identified that the client’s policy included accidental damage cover. While this meant the insurer did not have to cover the gutter clearance, they were responsible for internal water damage. By repositioning and presenting the claim correctly, we secured full approval for all necessary internal repairs.
Our restoration team reinstated the feature walls to their original standard, ensuring the client’s kitchen retained its unique character and value.
Before:
After:
Case Study: Damage from Heavy Rain
Incident
A company in the care homes sector had its offices in London internally damaged by storm/heavy rain. The plaster in the damaged area of the ceiling and walls was saturated so they contacted us to deal with their roof damage insurance claim
Client Concerns
As the offices in which damage was observed were fully staffed, the client was keen not to disrupt two working offices while internal repairs were in progress, as this would possibly result in an interruption to business with an accompanying loss to the company.
How APC Handled the Claim
As no storm conditions were recorded at the time of the incident, which is as defined as winds exceeding 40mph or several inches of rainfall per hour, we advised the client that roof repairs would not be covered. However, insurers were required to meet the cost of internal repairs under accidental damage cover.
We negotiated with the insurer to agree to full building reinstatement costs, including a surcharge for work carried out during evenings and weekends to minimise disruption. The alternative would have been a substantial business interruption claim, and the insurer agreed that our approach was the more cost-effective solution.
Once the claim was settled, we coordinated with the building’s facilities management team to arrange out-of-hours access so work could be completed with minimal operational downtime, ensuring the office was able to re-open swiftly.
Before:
After:
Frequently Asked Questions
We know insurance claims can feel overwhelming, especially if it’s your first time dealing with one. That’s why we’ve put together this FAQ section – to answer common questions, explain the process in plain English, and show how our expertise makes the journey smoother and less stressful for you.
Can you claim on insurance for storm damage?
Yes, most home insurance policies cover sudden storm damage, including roof, guttering, and structural impact so long as it meets your insurer’s definition of a “storm event.”
What counts as storm damage?
Storm damage refers to sudden harm caused by high winds, heavy rain, hail or flying debris during a recognised storm event.
Typical examples include lifted roof tiles, fallen trees, water penetration from wind-driven rain, or structural impact.
How do insurance companies decide how much to pay out?
Insurers should calculate the payout based on the cost to restore your property to its pre-loss condition, minus any policy excess. They would obviously prefer if this was minimised to a small patch repair.
The challenge however lies in the skill of negotiating what repairs are really required to fairly restore the property to pre-loss condition.
What should you not say when making an insurance claim?
Avoid guessing the causes of damage or downplaying the extent of damage. Stick to clear facts which can be backed up with evidence. It is advisable to get an FCA regulated claims management company like All property claims to assist you and discuss your claim with the insurer.
We’ll Handle Your Claim and Your Repairs
If you need to claim for storm damage, or want expert support with storm damage and insurance claims, get in touch with All Property Claims. We’ll take the pressure off, handle your insurer and complete all reinstatement works quickly and professionally.