Storms Drive 20% of Aviva's Home Insurance Claims

Storms Drive 20% of Aviva's Home Insurance Claims, Urging Proactive Preparedness for Homeowners

Recent data from Aviva, a leading home insurance provider, reveals that storm-related incidents constitute a significant 20% of their home insurance claims. Common causes of these damages include loose roof tiles, fallen trees, and broken windows, highlighting the substantial impact weather can have on properties. Aviva's analysis from 2022 to 2025 shows that storm claims predominantly occur during the colder months from October to March, with February alone accounting for 26% of claims, followed by January and December at 21% and 11% respectively.

In anticipation of seasonal weather challenges, Aviva stresses the importance of homeowners being proactive in preparing their properties to withstand potential storm impacts, such as heavy rain and flooding. Laura Lazarus, Aviva's director of home and lifestyle claims, advocates for early action to protect homes, advising routine maintenance tasks like inspecting gutters and securing roof tiles. Other recommendations include securing outdoor belongings and checking flood risks to bolster storm readiness. While home insurance typically covers storm-related damages, Lazarus cautions homeowners about exclusions that apply to wear and tear as well as gradual problems such as rot. Additionally, fences, hedges, and gates are often not covered, emphasizing the value of preventive maintenance.

Aviva commissioned research involving over 2,100 residents, finding that nearly half express concerns about storm damage to their homes. Perhaps more striking, 16% of respondents reported experiencing storm-related damage in the past five years. Homeowners are encouraged to conduct annual maintenance checks, identifying and addressing vulnerabilities before adverse weather conditions strike.