While rain may be welcome for many gardens, storms can cause serious damage.
Insurers are braced for a surge in costly claims for storm and flood damage, which can in turn lead to higher homeowners’ premiums.
Dave Thompson, Claims Director at Tesco Insurance, says: “With the Met Office warning of upcoming thunder and lightning storms and potential for flash flooding, homeowners may worry about what is or isn’t covered if they were to suffer a direct hit on the house or be impacted by floods.
“Predicting exactly when and where lightning will strike is impossible, but there are a few steps you could take that can help to reduce the risk to your property in the event of lightning hitting near or on your home.”
What can homeowners do to protect their property ahead of storms and flooding?
Prepare a flood emergency kit
Having an emergency stash of supplies could help keep you and your family safe and warm should a flood occur. In your kit you may want to include first aid equipment, bottled water, food, a torch (in case you lose power), an emergency contacts sheet, prescribed medication, blankets, clothing, insurance documents and money.
If you have babies or elderly people in your household you should also pack any special items that they may need.
Check your home insurance
Dave says: “Hopefully you won’t need to make a claim, but just in case you do, check your home insurance policy is up to date. If you are ever in doubt about how to look after your home during the winter months, particularly when it comes to such things as heating, be sure to contact a specialist.”
Start at the top
Dave says: “Have your roof inspected and repair any cracked, damaged or broken tiles that could come loose during high winds.”
It’s also a good idea to clean your gutters, as they are essential in keeping water off your roof and can easily get clogged if not properly maintained, which can lead to bigger issues down the line.
Don’t forget about your garden
Ensure your garden furniture is secure or safely stored. Also, make sure fences, gates and hedges are secure and in good repair before the weather rolls in.
“Most storm damage cover usually excludes these parts of your property, so it’s better to repair now rather than pay out-of-pocket to replace them later,” says Dave.
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Be cautious with electronics
While the chances of lightning striking your home are small, it’s still worth exercising caution, especially if you’re in areas prone to thunderstorms.
“It may be worth unplugging or turning off any appliances for the duration of the storm, and utilising any cordless items instead. This will also help to prevent any damage to home appliances from power surges,” says Dave.
