Storm damage payouts to UK homeowners surged 32% to £244 million in 2025, according to the Association of British Insurers (ABI). This increase follows severe weather events, including Storm Éowyn and Storm Floris, which caused significant damage to homes and possessions.
Total weather-related claims reached £758 million last year, a figure the ABI attributes to increasingly severe weather conditions. The Met Office has warned that this year’s El Niño pattern could bring another wet and stormy winter, prompting experts to advise homeowners on preventative measures.
Roof and structural maintenance are key areas of concern. Alex Peters of Checkatrade notes that roof-level structures are particularly vulnerable during high winds. Professional inspections average £250, with repairs costing £110 to £160 per square metre, depending on materials.
Blocked gutters, if left unaddressed, can lead to brickwork damage and foundation erosion. Professional gutter cleaning services cost around £20 to £30 per hour. Tree maintenance near properties is essential, with pruning typically costing £100 and larger projects by tree surgeons ranging from £240 to £400 per day.
Michael Davie of PureBuilt warns that a £500 repair can balloon to several thousand pounds once damp affects internal finishes.
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While roof and structural issues demand attention, lower-cost measures like window sealing and draught-proofing can also protect homes. Sealant costs around £10 per tube, and professional weatherstripping services charge £50 per window or £100 per door.
Standard buildings insurance policies typically exclude wind damage to garden structures like gates and fences. Property owners are advised to secure or store moveable items such as plant pots, garden furniture, and trampolines before storms.
Insurance industry data suggests that proactive maintenance could reduce the financial impact of severe weather on residential properties. With mortgage lending patterns showing sensitivity to property maintenance costs, homeowners may need to factor weather-related expenses into their property budgets.
The rising cost of weather damage claims comes as the property sector faces broader financial pressures, with portfolio refinancing activity indicating that property investors are reassessing their holdings amid changing market conditions.
Insurance and Financial Considerations
Securing or storing movable outdoor items before storms is advised.