Many UK landlords only discover a problem after making a claim: the damage may be covered in principle, but the insurer can refuse to pay if there is no evidence of adequate preventative maintenance. Blocked gutters, slipped tiles and failing roof coverings are often treated as foreseeable and preventable, especially where routine checks were not documented. The challenge is that ground-level inspections miss many of the defects that lead to water ingress and expensive intern

Figures from the Association of British Insurers (ABI) reveal that insurers paid out over £600 million to cover storm and flood damage to UK homes and businesses in 2025 - the highest annual total on record. The rise in property claims reflects another punishing year of extreme weather, marked by 10 named storms between October 2024 and March 2025 and heavy rainfall across England & Wales. February alone saw more than a month's worth of rain in just two weeks, overwhelming dr