Storm damage claim specialists for homeowners

RSL Claims manages storm damage insurance claims across the North West of England and North Wales, assessing the loss and dealing with insurers on your behalf through settlement.

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A home storm damage claim typically includes:

Roof tiles, slates and structural damage
Chimneys, gutters and external fittings
Windows, doors and glazing
Water ingress and internal damage
Contents and personal belongings
Emergency works
Alternative accommodation

See full claim scope

Regulation

FCA Authorised · Ref 305956

Experience

20+ years · Founded 2003

Response

24/7 support · On site within 24h

Roof and structural damage

Cover may include broken or missing tiles, slates, ridge tiles, flashing, membranes, timbers and hidden structural damage from wind or debris.

Chimneys and external fittings

Storms can cause property damage to chimney stacks, gutters, fascias, soffits, aerials and other fittings attached to your home.

Windows, doors and glazing

High winds and debris can break glazing, damage frames or force doors open, exposing your property to further bad weather.

Water ingress and internal damage

Where roof damage allows rain inside, internal water damage may affect ceilings, walls, insulation, flooring, decoration and fitted units.

Electrics and heating systems

Water entering through a roof or window can affect wiring, sockets, lighting, boilers and heating systems, adding to the extent of the damage.

Contents and personal belongings

Furniture, carpets, electrical items, clothing and other belongings may be included where the weather event causes water or debris damage.

Garages, sheds and boundaries

Home insurance policies cover garages, sheds, gates, walls and fencing differently. Property owners and leaseholders should check whether the landlord is responsible.

Fallen trees and debris

The claim may include damage to your property from fallen trees or branches, plus reasonable removal costs where these are covered.

Emergency repairs and housing

Emergency repairs may include temporary roofing, boarding and debris removal to protect your property. Cover may also fund temporary accommodation.

Hidden risks

The full storm damage may not be visible from ground level

Following a storm, missing tiles can let rainfall reach roof spaces, insulation, ceilings and wall cavities before stains appear. The scope of the damage may depend on many factors and how long the property has been exposed to the elements. Insurers use several metrics to define storm conditions, from weather reports to Met Office records. It’s always important to review and carefully prepare a claim before submitting to insurers; errors at the outset can cause unwanted delays going forward.

Prior to presenting the claim, it’s worth considering issues such as age, pre-existing defects and earlier problems. The insurance company’s loss adjuster may argue damage sustained to your property is a result of wear and tear rather than one specific incident. Photographs, maintenance records and inspection findings help show what resulted from the reported weather and what can be classed as storm damage, reducing the risk that insurers reject or reduce the claim.

1

Free consultation

We inspect your home, review property-related insurance cover and explain the insurance claims process, setting expectations for each stage of the claim process.

2

Immediate protection

We advise on temporary protection and preserving evidence when making a claim, with help with your insurance claim that protects your position.

3

Damage evidence

Our experience with storm losses helps us gather photographs, weather records, maintenance evidence and estimates to document the insurance loss.

4

Claim negotiation

We prepare the claim on your behalf and deal with the insurance company, drawing on our experience across the insurance industry.

5

Settlement and repairs

We monitor work, payments and outstanding claim solutions until repairs are complete and your home is restored.

Has storm damage left your home exposed?

Need insurance claim help or help with storm damage claims? Tell us what happened and we’ll respond within 1 working hour.

Start your claim

Call 0151 632 6050

Recent settlements

+30–50% above insurer’s first offer

Range achieved across recent claim settlements. We treat each claim on its own merits – and never settle for the first number on the table.

Founder · Chartered Loss Adjuster

Talk to the founder

Storm damage can be more extensive than it first appears

From ground level, roof damage may look limited to a few missing tiles. Once water enters the roof space, the claim can also involve insulation, ceilings, electrics and structural repairs. An early inspection helps make sure the full repair scope is identified before settlement.

Rob Spence – Managing Director, Chartered Loss Adjuster.

Speak to Rob – 0151 632 6050

Frequently asked questions

Common questions about storm damage insurance claims

What should I do immediately after a storm damages my home?

Keep away from damaged roofs, loose masonry and ceilings that may be unsafe. Take photographs safely, move belongings away from incoming water and arrange temporary protection where needed. Notify your insurer and keep receipts for emergency work.

Does home insurance cover storm damage?

Many policies cover sudden damage to homes following severe weather. Contents insurance may cover belongings damaged by water or debris. Exact cover depends on the wording, limits and exclusions in your policy.

How will my insurer decide whether the weather counted as a storm?

The insurer may consider local records, the timing and location of the event, the damage pattern and your property’s earlier condition. Weather data alone does not always prove the damage was caused by a storm.

What if my insurer says the damage was caused by wear and tear?

Ask for the decision and supporting evidence. Our insurance claims consultants can review photographs, surveys, maintenance records and repair history, then respond where the insurer’s view does not reflect the circumstances or available evidence.

Can I make a storm damage roof insurance claim for water damage inside?

Where insured roof damage allows rainwater into your home, the claim may also cover damage to ceilings, walls, insulation, flooring, electrics, decoration and contents.

What evidence helps with roofing insurance claims for storm damage?

Useful evidence includes dated photographs, weather records, roof inspections, contractor reports, maintenance documents, repair estimates and receipts. This can show the timing, cause and full scale of the insured loss.

Can I arrange emergency roof repairs before the insurer visits?

You can take reasonable steps to prevent further damage, but temporary work is usually safer than permanent repairs straight away. Photograph the damage beforehand, retain damaged materials where practical and keep all invoices and written records for repairs to your property.

Can I claim for alternative accommodation?

Your policy may fund suitable temporary accommodation if storm damage leaves your home unsafe or without necessary facilities. We help explain the need, likely duration and reasonable costs to the insurer.

Do you handle storm damage insurance claims in my area?

RSL Claims supports homeowners across the North West of England and North Wales, including Liverpool, Wirral, Manchester, Warrington, Chester, Wrexham and surrounding areas.

Get in touch

Free, no-obligation consultation on your storm damage claim.

Tell us briefly what happened and we’ll come back to you as soon as possible. If we can help, our FCA-regulated loss assessor will tell you honestly. If we can’t, we’ll point you in the right direction. We cover the North West of England and North Wales.