Tenant top tips: protection against storms

Over recent years, storm-related insurance claims have surged, with incidents like roof damage, fallen trees, and flooding becoming more common as extreme weather events have become more frequent. According to our landlord insurance partner, Total Landlord, roof damage accounts for around 66% of storm-related claims. The average cost of roof-related damage claims has surged by over 50% in recent years, with torrential rain causing nearly £98,000 of damage to one property in 2023.

As a tenant, it’s important to be prepared for storms and take steps to protect yourself and your home during extreme weather events. While landlords should have the appropriate insurance to cover storm damage, there are also several things you can do to help safeguard your living space. Here are some top tips to protect your home and belongings during storms: 

Tips for protecting your home against storms

Check for gaps and draughts 

Storms often bring heavy winds and rain, so it’s crucial to seal any openings that could allow water to enter the property and cause damage, as well as reduce heat loss. Start by checking that all windows and doors are securely closed and inspect them for any gaps or draughts. If you find any, use weather stripping or draught excluders to seal the gaps and keep the elements out. These small openings can let in cold air and rain, leading to higher heating costs and potential water damage.

Additionally, ask your landlord to check the roof during periodic inspections to make sure it is in good condition, especially in areas where tiles or shingles could be cracked or loose. Any gaps in the roof can allow rainwater to leak into the property, causing serious damage over time. Sealing these openings and addressing any weaknesses will help keep the property dry and warm during stormy weather. 

Clear gutters and drains 

If you have access to the outside of the property, clear any leaves or debris from gutters and drains. Blocked gutters can cause water to overflow, leading to flooding or damage to the property. Sealing up these entry points not only helps keep the elements out but also helps maintain a comfortable, energy-efficient indoor environment. If you can’t do this yourself, make sure that you let your landlord or property manager know so that they can take care of it. 

Secure outdoor furniture and objects 

Strong winds during storms can cause outdoor furniture, bins, or other items to be damaged or blown around, potentially damaging the property or surrounding area. To prevent this, make sure any loose items in your garden, balcony, or patio are secured, brought indoors, or stored safely. This includes items such as plant pots, garden tools, or decorations. Additionally, check that all gates and fences surrounding your property are intact and secured, as high winds can quickly damage weak or poorly maintained fences. If you have a garden shed or any external structures, make sure the roof and walls are well-maintained to withstand severe weather and ask your landlord to make any necessary repairs. Taking these simple steps will help protect both your rental property and your belongings from storm damage. 

Prepare for power outages 

Storms often bring the risk of power outages, which can leave you without electricity for hours or even days. To stay safe and comfortable, make sure you have essential supplies on hand, such as candles, torches, and a fully charged phone. It is also a good idea to keep a battery-powered radio nearby to stay updated on weather alerts and emergency information. If you rely on any medical equipment or have special needs, be sure to have backup plans in place.  

Move valuables to higher ground

If you live in an area prone to flooding or heavy rain, move valuables like electronics, documents, and sentimental items to higher ground. This will help prevent personal belongings being damaged if there is a flood. Use waterproof containers or bags to protect items that may be more susceptible to water exposure. By taking these precautions, you can minimise the risk of losing valuable possessions during stormy weather.  

Know your emergency contacts 

During a storm or extreme weather, knowing who to contact in an emergency is crucial. Keep a list of important numbers, including your landlord or property manager, emergency services (fire, police, ambulance), and utility providers. In case of damage, such as flooding or power outages, you can quickly reach out for help. Additionally, knowing the contact details for local authorities or flood alert services in your area can be crucial if your property is at risk from severe weather. You can sign up for flood warnings here.

Maintain clear lines of communication with your landlord 

As a tenant, it’s important to establish clear communication with your landlord, especially when severe weather or storms are on the horizon. By keeping an open line of contact, you can report any issues or concerns before they worsen due to extreme weather conditions. If a storm is forecast, you can inform your landlord about any potential maintenance issues you’ve noticed, such as loose roof tiles or a leaking window. Prompt communication allows the landlord to make necessary repairs, which could prevent more significant damage during the storm. 

Stay informed 

Monitor weather reports and storm warnings, especially during storm season. Being prepared will give you enough time to secure your property and take necessary precautions.  

It’s your landlord’s responsibility to make sure the structure and exterior of your property is safe and secure, but by taking these simple steps, you can do your bit to help protect both yourself and your rental property during storms. While your landlord should have landlord insurance to cover structural damage, your proactive actions can minimise damage to your home and your belongings. 

For more advice, read Total Landlord’s guide, ‘How to protect your rental property from storms’.