Storm-Damage Insurance Claims: Is Your Roof Covered & How to File Fast
- Ryan Tucker
- Jun 11
- 3 min read
When the skies darken and storms strike, your roof takes the brunt. But when the wind and rain subside, you might be left wondering: is your roof covered by insurance, and how do you make a fast claim?
For homeowners in Norfolk and Suffolk, the answer often lies in the small print. Let’s break it down.
Is Your Roof Covered by Insurance?
Most home insurance policies in the UK cover storm damage. But there’s a catch: the damage must be sudden and caused directly by the storm.
If your roof was already worn out or poorly maintained, insurers might reject your claim. That’s why regular inspections are key.
What qualifies as storm damage?
Missing or lifted tiles
Leaks due to wind-driven rain
Fallen trees damaging your roof
Flashing and lead work being dislodged
The Financial Ombudsman defines a storm as high winds (typically above 55mph), heavy rainfall, or snow and hail that causes structural damage.
Steps to Take Immediately After a Storm
1. Inspect Safely
Do not climb onto your roof. Instead, look for visible damage from the ground or from inside your attic. Signs include damp patches, water stains, or visible holes.
2. Document the Damage
Take clear photos or videos of the damage. Your insurer will want evidence. Capture interior and exterior damage as well as fallen trees or dislodged parts.
3. Secure the Area
If you notice active leaks, use buckets and towels to control the water. Cover valuables and switch off electricity if necessary.
4. Contact a Professional Roofer
Advanced Roofing Specialists, serving Norfolk and Suffolk, can conduct a rapid, professional inspection. They’ll assess damage and provide a written report – essential for your claim.
How to File Your Insurance Claim Fast
Step 1: Review Your Policy
Understand what’s covered. Look for details on storm damage, roof repairs, and exclusions.
Step 2: Notify Your Insurer Immediately
Most insurers require claims to be filed promptly. Call or log in to your online account. Provide basic details and mention that further information will follow.
Step 3: Submit Your Evidence
Upload the images and videos. Include receipts if emergency repairs were done. A roofer’s assessment from Advanced Roofing Specialists adds weight to your case.
Step 4: Arrange an Adjuster Visit
Your insurer might send someone to inspect the damage. Be present if possible. Have your documentation ready.
Step 5: Get Quotes from Roofers
Obtain a formal written quote from NVQ-qualified roofers like Advanced Roofing Specialists. This ensures the repairs meet your insurer’s standards.
Tips for a Successful Claim
Act Quickly: Time delays can weaken your case.
Keep Records: Document all communication with your insurer and roofing contractor.
Avoid DIY Fixes: Temporary solutions are fine, but major repairs should be handled by professionals.
Use a Local Expert: Advanced Roofing Specialists understand local conditions in Norfolk and Suffolk. Their reputation and experience make a difference.
Why Choose Advanced Roofing Specialists?
Based in Norfolk and Suffolk, Advanced Roofing Specialists are NVQ-qualified and offer:
Emergency roof repairs
Written storm damage reports for insurance
Re-roofing and flat roofing services
Expertise in lead, slate, and tiled roofing
They recently repaired the Arc Cinema roof in Great Yarmouth – a testament to their capability.
Clients consistently praise their speed, reliability, and professionalism:
“These guys are fantastic! Replaced my leaking flat roof just before a kitchen installation. They even came out on a Sunday!” – Rowan Nichols
Preventing Future Storm Damage
While you can’t control the weather, you can protect your property.
1. Schedule Regular Inspections
Have your roof checked at least once a year. Advanced Roofing Specialists can help spot wear before it becomes a claim.
2. Maintain Guttering and Fascias
Clear gutters and inspect fascias regularly to prevent water build-up and damage.
3. Upgrade Weak Areas
Consider modern skylights, secure flashings, and premium tile or slate installations to withstand future storms.
Contact Advanced Roofing Specialists Today
If your roof’s been damaged by a storm, don’t delay.
📞 Phone: 07861700195🌍 Website: www.advancedroofingspecialists.co.uk
Whether you need a rapid inspection, insurance support, or full re-roofing, their expert team is ready to help across Norfolk and Suffolk.
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