With climate change the risk of storms is becoming more evident, increasing in frequency and ferocity that can cause significant damage to homes and businesses, leading to costly repairs and disruptions. At Sutcliffe & Co Insurance Brokers, we want to help you take proactive steps to safeguard your property and with the right preparation, you can minimise the risk of damage and avoid the stress and expense that comes with storm-related incidents.

Here’s a comprehensive Storm Damage Prevention Checklist to help you secure your property before a storm hits:

1. Check your property’s exterior drains

Make sure that rainwater is flowing away from your property as blocked drains can lead to standing water, which can damage your foundations or seep into your building.

2. Inspect guttering for damage or debris

Regularly check your gutters to ensure they’re not clogged or damaged. Clear them of leaves and debris so that water can flow freely, preventing potential overflows or water damage.

3. Check for cracks in brickwork or render

Look for cracks in the exterior of your home, as these can allow water to penetrate your walls, leading to damp and structural issues. Address any cracks promptly to prevent water ingress.

4. Inspect for water leaks around windows and doors

Leaks around windows and doors are common during storms. Make sure there are no gaps or leaks that could allow water into your home, and it is important to seal these areas that can prevent damage to your walls and floors.

5. Inspect the loft for hidden leaks due to damage

The loft is often where hidden leaks start. Check for damp patches or any signs of water ingress, which may indicate a leak from your roof. It’s better to catch these early to avoid extensive damage.

6. Check outside drainage systems

Ensure that areas around your home such as patios, decking, or driveways are well maintained and clean and do not exceed the damp course height. Poor drainage in these areas can lead to water seeping into your property during heavy rain.

7. Secure garden furniture and loose objects

Garden furniture, trampolines, or other outdoor items can become dangerous projectiles during high winds in storms. Secure or store these items to avoid them causing damage to your property or your neighbour’s.

8. Ensure tree safety

Trees near your property should be inspected regularly for health and stability. Dead or unstable trees pose a serious risk during storms, as falling branches or entire trees can cause severe damage to your home. They can also obstruct roads and cause road traffic accidents.

9. Inspect flat roofs for damage or leaks

Flat roofs are more prone to damage due to their shorter lifespan and limited water runoff. Regularly inspect your flat roof for any signs of wear, and repair or replace damaged areas before storms hit.

10. Check roof tiles and slates are secure

Loose or cracked roof tiles are a common source of leaks during heavy rain so it is important to inspect your roof for any broken or dislodged tiles and replace them as needed to prevent water from entering your home.

11. Inspect chimney mortar for damage

Chimneys are often overlooked due to their height and access, but damaged or degraded mortar can lead to serious structural issues. Check that your chimney’s mortar is in good condition, and have it repaired if necessary to ensure long term storm protection.

12. Secure your fences around your property

Fences can be especially vulnerable during storms, particularly if panels are loose or weakened. Inspect your fence panels and make sure they are securely fastened to avoid them being blown over and causing damage.

By following these tips, you can significantly reduce the risk of storm damage and keep your property safe and always remember preparation is key to avoiding expensive repairs and insurance claims later.

At Sutcliffe & Co, we specialise in providing the insurance coverage you need to protect your property and belongings from unexpected events, including storm damage. Contact us today for more information on 01905 21681 or alternatively email Enquiries@sutcliffeinsurance.co.uk.