Recently in the UK we’ve been hit by storm after storm. In some places we have even tornadoes, which has caused a large amount of worry for many people.
The best we can do when experiencing a storm like this is to make sure our home is protected, and that we are following guidance laid out by the likes of the Met Office.
Big storms come with heavy rain and strong winds, which is the infamous combination for damage to properties.
Make sure any loose furniture outside is stored away
When there’s a storm, we often hear about people’s garden furniture being blown around, so make sure this time it isn’t you. If you’ve got a garage or a strong sturdy shed, make sure you store away any loose furniture inside them.
If you cannot do this, try put them inside your home until the worst of the storm is over. In this case, it’s better to be safe than sorry.
Check your roof for loose tiles, and your garden for loose fence panels
It’s a good idea to check both your roof and fences regularly, especially during the winter months. Make sure you’re safe when doing this and ask for additional help if you need. If you have bits which are loose, make sure they are fixed as soon as possible.
This means that when a storm does come, you don’t have to worry about bits of your roof flying around, or your fences coming down. In strong winds these can cause destruction to both your property and your neighbours.
Clear any blocked gutters
It’s a good idea before the storm to clear out any debris from your gutters. With the heavy rain from the storm, blocked gutters can lead to flooding in your home.
When your gutters are blocked, it can lead to a collection of water. This builds up, which could lead to leaks within your home. This can very quickly turn into a big problem, with water damage to your property.
Make sure you’re regularly cleaning your gutters by safely removing the debris and dirt.
Close all windows and doors securely
If any of your windows are on latch, make sure these are properly closed and secured before the storm hits. The same applies to any doors you have externally, and you’ll also want to close all internal doors to help keep the warmth in.
Try not to open any windows whilst the storm is in full force and try to stay inside as much as possible. It’s often advised to only make necessary trips out; this can include to collect any medication or food. However, make sure to follow the guidance given.
All valuable and important items must be stored correctly
In the event of a flood, make sure that items such as passports, computers, documents, any items of sentimental value are stored in a convenient and safe area.
Whilst furniture affected by flooding can mostly be replaced, sentimental items lost to floods can cause devastation to a family. Make sure you prioritise storing items if you’re in a flood risk area.
If your home is prone to flooding: ensure you’re prepared
Whilst you probably already have one of these, a flood plan is a great resource, so your household knows what to do in the event of flooding.
This typically includes actions such as moving valuables to safe places, ensuring you have sandbags at the ready, and knowing how to shut off your gas and/or electricity supply.
In preparation, you’ll want to make sure you have supplies such as bottled water, warm clothes and blankets, torches and batteries, and any medication which you may need.
Make sure you have the number for your insurance company and remember that if you’re in serious danger, you can call 999.
Prepare for power outages
One of the most common occurrences during storms is that many people are left without power. This means that for many there’s no electricity, hot water, or heating.
In the event of a power cut:
- Keep fridges and freezers closed
- Unplug all appliances which cannot be left unattended
- Make sure all windows and doors are securely closed to keep heat in
- Check in on elderly, vulnerable, and disabled neighbours
- Call 105 in the UK to find out when your power will be restored
Make sure you have:
- Portable chargers
- Torches and spare batteries
- Blankets and warm clothes
- Ready to eat food and snacks
If you experience any damage from the storm, let your home insurance provider know
It’s frustrating when you’ve done all you can to protect your home from the storm and the strong winds and heavy rain still batters your house. This is why it’s important to contact your home insurance provider.
They are the experts and will be able to advise you on your options so you can choose whether you would like to make a claim for the damage.
Home Insurance to cover your needs
Here at Carbon Insurance Brokers, we understand the stress a storm can cause and the damage it can have on your home. Make sure to contact us if you have any questions regarding your policy, or if you would like some more information about our products.
Looking for new home insurance? We offer Specialist Home Insurance, and Specialist Non-Standard Home Insurance. With over 30 years of experience, we know what’s best when it comes to houses and homes.