We can fix this
Broken tiles, fallen trees and water damage can all take the wind out of your sails if your property has been damaged by a storm. Take a deep breath, our straightforward claims process can help restore calm.
Your storm insurance claim
A major weather event can cause widespread damage to homes across the UK, leaving lots of our customers needing our help at the same time.
The fastest way to make a claim is by tapping into MyAviva. You can find out your excess and level of cover, and we may be able to give you an instant decision online. There’s no need to call us – we’ll get in touch if we need more details.
To help you get back to normal as quickly as possible, we may ask you to get a quote from a local tradesperson to repair the damage.
If you can’t get a repair quote, or if your property is not safe and secure, get in touch. We’ll help you as fast as we can.
What storm damage can I claim for?
You’ll need to let us know exactly what has happened to your property so that we can help you make your claim.
Typical damage to property following a storm can include:
- Tiles or slates dislodged or missing
- Entire felt roofs lifted off
- Ridge or hip tiles missing or dislodged
- Damage caused by fallen trees
- Water damage inside your home
Check your policy wording as there are some things that we don’t cover, for example damage to fences, hedges and gates.
The policy would also not cover damage which is longstanding or due to maintenance issues, such as:
- Cement or mortar deterioration on brickwork and chimneys
- Failed render on the building exterior
- Gradual deterioration to any part of the roof or building
- Aged flat roofs
Getting a repair quote
Using a local tradesperson is often the quickest way to get your property back to normal, so we may sometimes ask you to get a quote directly.
When looking for help:
- Avoid cold callers
- Look for recommended or established traders
- Don’t pay anything upfront
- Check if the builder offers warranties on the work
- Obtain at least two quotes for comparison, if possible
- Be alert to scams. Independent flood or loss assessors may get in touch with you and offer to manage your claim on your behalf, but many charge a fee, which could be taken from your insurance settlement
Any quote you get will need to include a full breakdown of the works required and be supported by photos of the damage, if possible.
Once you're happy with your quote, email it to us. Make sure you include your name, policy number and address. We’ll be in touch to progress your claim.
As well as any damage to buildings, make sure you list any belongings that have been damaged by the storm inside or outside your home, along with supporting photos. Don’t throw anything away as it may be needed for the claims process.
To help you consider the repair quote you receive, here are some of the approximate costs of repairing common types of storm damage. Quotes may be higher or lower depending on your location.
