Storm damage payouts to UK homeowners rose by 32% to £244 million in 2025, following severe weather events such as Storm Éowyn and Storm Floris. This data comes from the Association of British Insurers (ABI).
The ABI also reported that total weather-related claims for damage to homes and possessions reached £758 million last year. This increase is attributed to increasingly severe weather conditions affecting residential properties across the country.
The Met Office has warned that the current El Niño weather pattern could lead to another wet and stormy winter. Property maintenance experts are recommending preventative measures for homeowners.
Roof-level structures are identified as a primary vulnerability during high winds, according to Alex Peters of Checkatrade. Professional roof inspections average £250, with most repairs costing between £110 and £160 per square metre. Blocked gutters can also cause water to pool, potentially leading to brickwork damage and foundation erosion.
Minor external defects can escalate into substantial repair costs if not addressed, as highlighted by Michael Davie from PureBuilt. A repair that initially costs £500 could increase to several thousand pounds if damp affects internal plaster and finishes.
Most standard buildings insurance policies do not cover wind damage to garden structures like gates and fences. Property owners are advised to secure or store moveable items before storms.