Extreme weather events like storms, floods, and cold snaps are becoming more frequent and severe. Whether you’re a homeowner, charity, or business, understanding how to prepare and respond can help reduce damage and streamline insurance claims. Drawing on expert guidance from Ansvar Insurance and the British Insurance Brokers’ Association (BIBA), here’s how to stay ahead of the weather.
1. Cold Weather Preparation
Cold weather can cause serious property damage, especially from frozen pipes and icy conditions. To mitigate risks:
Insulate pipes and keep heating on low in unoccupied buildings to prevent freezing.
Use safe heating methods—avoid open flames or portable heaters that pose fire risks.
Check roofing and gutters for damage or blockages that could worsen in freezing conditions.
Clearing icy paths might seem helpful, but insurers often advise caution. Leaving snow untouched can reduce liability, as visitors are generally considered to be aware of the conditions and the risks involved. However, if you attempt to clear a path and it remains slippery, your organisation could be held responsible for any accidents.
Ansvar’s Cold Weather Advice Guide offers a full checklist for winter readiness.
2. Flash Flooding Risk Management
Flash floods can strike with little warning, especially in urban areas with poor drainage. BIBA and Ansvar recommend:
Know your flood risk using government flood maps and local council resources.
Install flood defences like sandbags, airbrick covers, and sump pumps.
Elevate electricals and valuables above ground level in flood-prone areas.
Create a flood action plan with emergency contacts, evacuation routes, and utility shut-off points.
Ansvar’s Flash Flooding Guide provides practical steps to reduce damage and disruption.
3. Storm Safety and Damage Prevention
Storms can cause widespread damage to roofs, windows, and outdoor structures. To stay safe and minimise claims:
Before the storm, secure loose items like bins, signage, and garden furniture. Trim trees and branches near buildings to prevent impact damage. Check roof tiles and fix leaks to prevent water ingress.
During the storm, stay indoors and avoid driving unless absolutely necessary. Do not attempt repairs until conditions are safe. Monitor weather alerts and follow local authority guidance.
After the storm, photograph damage before making repairs—this is crucial for insurance claims. Avoid touching downed power lines or unstable structures. Contact your insurer promptly and keep receipts for emergency repairs.
Ansvar’s Storm Safety Guide outlines key safety measures and recovery tips.
4. Making a Claim: What to Do
If your property suffers damage:
Report the incident quickly to your insurer or broker.
Document everything—photos, videos, and written descriptions of damage.
Keep receipts for temporary repairs or emergency purchases.
Don’t dispose of damaged items until your insurer has assessed them.
BIBA also advises checking your policy for exclusions and ensuring your cover is up to date, especially for flood-prone or coastal properties.
Final Thoughts
Preparation is key to reducing the impact of bad weather. By following expert advice and maintaining good records, you can protect your property and ensure a smoother claims process. For more detailed guidance, explore Ansvar’s Risk Management Guides.
