Storm Damage Claims surge 167% - Is your Property Prepared ?

UK storm damage roof claims have skyrocketed over the past five years, with insurers facing unprecedented pressure from extreme weather. New ABI data shows £244 million paid out for storm damage to homes in 2025 alone – a 32% rise from 2024, pushing total property claims to a record £6.1 billion. Average payouts climbed to £2,450, up £750 year-on-year, as high winds tore tiles from pitched roofs and overwhelmed flat roof.

The trend is stark: Confused.com data tracked claims jumping 167% from 8,724 in 2019 to over 23,000 in 2022, with payouts rising from £29.9m to £76.7m. By 2024, weather-related home claims hit £585m after 12 named storms – the most since 2016. Roofs bear the brunt through wind uplift, missing tiles, and water ingress, exposing both residential and commercial properties.

For pub owners and heritage buildings, clustered storms in 2023-2025 amplified severity. Pitched roofs suffer slipped coverings; flat roofs face ponding failures. Your comprehensive policy feels solid – until a declined claim reveals wear-and-tear exclusions.

Act now: Schedule drone inspections to document pre-storm condition. Three Weave specialises in proactive roof surveys to safeguard claims success.