Essential steps to protect and prepare your property for stormy weather.

Storm ‘Doris’ never materialised as the recent high winds and rain fall were not severe enough to meet the Met Offices storm classification.  A storm will be named when it has the potential to cause amber ‘be prepared’ or red ‘take action’ warnings:

Here’s what to expect from a yellow, amber or red weather warning:

Yellow: Yellow means that you should plan ahead thinking about possible travel delays, or the disruption of your day to day activities.

Amber: Amber means you need to be prepared to change your plans and protect you, your family and community from the impacts of the severe weather based on the forecast from the Met Office

Red: Take action. Extreme weather is expected. You must avoid dangerous areas and follow the advice of the emergency services and local authorities.

As a result of last year’s storms, with Gertrude and Henry’s winds reaching speeds of 105mph, we’ve put this handy storm guide together for you and your fellow block insurers to protect and prepare your property for stormy weather.

High winds

  • Get a professional to check your roof is in good condition, and if you have a chimney, that the pointing is in good condition too.
  • Secure any loose panels on fencing and any close garden gates tightly.
  • Instruct a professional to check your aerial and satellite dishes are secure
  • Seek the advice of a tree surgeon and instruct to cut down any loose or overhanging branches in your garden, particularly any close to windows and power lines.
  • Keep gutters free of debris and check that the brackets are not rusted or they might break loose.
  • Check that brackets are fixed securely to the fascia board, particularly if the facia board is showing signs of decay.
  • Ensure all garden furniture, children’s toys and any other loose objects are stored away or secured to the ground to protect your windows.
  • Check outdoor signs are tightly anchored and secure.

Flood

  • Put temporary flood protection measure in place e.g cover air bricks with sandbags.
  • Gather essential items together upstairs or in a high place, such as torches, medication, a battery operated radio and waterproofs.
  • Fill jugs and saucepans with clean water.
  • Move ground floor occupants upstairs (or to a high place with a means of escape).
  • If you have time and it is safe to do so, turn off gas, electricity and water supplies when flood water is about to enter your building.
  • Do not on any account touch sources of electricity when standing in flood water.
  • Leave freezers and refrigerator doors open.
  • Put sandbags in toilet bowls to prevent sewage back-flow.

Meteorologists and the Met office can do their best to warn us about storms hitting, but no one can predict how much damage will be caused to your property from them. If the worst happens you can rely on our award winning claims team to help you through what can be a stressful time.  For a copy of our downloadable Storm guide click here.

Click on these links to find out more about Freeholder insurance and Blocks of Flats insurance; or call us on 08000 92 93 94.

 

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The sole purpose of this article is to provide guidance on the issues covered. This article is not intended to give legal advice, and, accordingly, it should not be relied upon. It should not be regarded as a comprehensive statement of the law and/or market practice in this area. We make no claims as to the completeness or accuracy of the information contained herein or in the links which were live at the date of publication. You should not act upon (or should refrain from acting upon) information in this publication without first seeking specific legal and/or specialist advice. Arthur J. Gallagher Insurance Brokers Limited trading as Deacon accepts no liability for any inaccuracy, omission or mistake in this publication, nor will we be responsible for any loss which may be suffered as a result of any person relying on the information contained herein.