Can I Claim for Storm Damage to My Roof in Hampshire?

Yes, you can usually claim for storm damage to your roof in Hampshire if your home insurance includes storm cover and the damage was caused by extreme weather. Most buildings policies cover sudden storm and wind damage, but not gradual wear or pre-existing faults. You will need photographs, a professional inspection and a written report to support your claim.

When does storm damage qualify for a roof insurance claim?

Insurers generally treat storm damage as claimable when high winds, driving rain or falling debris cause sudden harm to a roof in good condition. In practice, three conditions usually need to be met.

• A recognised storm event – most insurers use wind speeds around 55mph or more, or unusually heavy rain and hail.
• Sudden, identifiable damage – such as tiles lifted by wind uplift or a ridge line displaced overnight.
• A roof previously in sound condition – insurers may decline claims where the covering was already worn or poorly maintained.

This is why documentation matters. When we carry out roof repair for storm and wind damage, we photograph every affected area and record the condition of the surrounding roof. That evidence helps your insurer separate genuine storm damage from long-standing wear.

What can prevent a storm damage claim being paid?

Claims are most often reduced or declined for reasons unrelated to the storm itself. Understanding these before you claim helps you present a stronger case.

• Gradual deterioration – slipped mortar, perished felt or corroded fixings that pre-date the storm.
• Lack of maintenance – blocked gutters or overhanging trees that an insurer considers avoidable.
• Wind speeds below the policy threshold – where the weather does not meet the insurer’s definition of a storm.
• Insufficient evidence – no photographs, no dated report and no independent inspection.

An independent survey from a certified roofer strengthens your position. Our team holds working-at-height and manual-handling certification, and we carry £5 million public liability insurance, so our reports stand up to insurer scrutiny.

How do I make a claim for storm damage to my roof?

A clear, step-by-step approach gives your claim the best chance of being accepted. We recommend the following order.

• Make the roof safe first. Contact a professional to secure the roof and prevent further water ingress.
• Photograph everything. Capture displaced tiles, lifted ridges, ceiling stains and any debris on the ground.
• Check the storm date. Note when the weather event happened so wind speeds can be verified.
• Contact your insurer promptly. Report the damage and ask what evidence they require.
• Arrange a professional inspection. A written report describing the cause and extent of the damage supports your claim.

We provide free director-led site surveys across Hampshire, and every survey is documented with photographs throughout. That written record is often what an insurer asks for before authorising repairs.

Storm damage claims in Hampshire and the South Coast

Exposed coastal and elevated properties in Hampshire face stronger wind loads than sheltered inland homes. Seafront terraces in Portsmouth, Southsea and Hayling Island take the brunt of Channel gusts, while properties in Gosport, Fareham and Havant see wind-driven rain forced under displaced tiles.

Older housing stock across Southampton, Petersfield and Alton often has bedded mortar ridges and traditional slate coverings that are vulnerable to sudden uplift. Insurers assessing these roofs will want proof that the damage was caused by the storm rather than age. A local roofer who understands South Coast weather patterns can describe the mechanism of failure clearly in a report.

We attend properties throughout Waterlooville, Eastleigh, Basingstoke, Andover, Aldershot, Farnborough, Fleet, Romsey, Totton, Lymington, New Milton and the surrounding areas. For the full picture on repairs, see our guide to Roof Repair for Storm and Wind Damage.

Frequently asked questions

Does home insurance cover roof repair for storm and wind damage?

Most buildings insurance policies cover sudden storm and wind damage to a roof that was previously in sound condition. Cover typically excludes gradual wear, poor maintenance and pre-existing faults. Always check your policy wording and report the damage to your insurer as soon as it is safe to do so.

What evidence do I need to claim for storm damage to a roof?

You usually need dated photographs of the damage, evidence of the storm date and wind speeds, and a written report from a professional roofer describing the cause and extent. Our documented site surveys provide the independent evidence insurers commonly request before approving repairs.

How quickly should I report storm damage to my insurer?

Report storm damage as soon as it is safe, as many policies expect prompt notification. Secure the roof first to prevent further water ingress, then photograph the damage and contact your insurer. We respond to callouts within 48 hours to help make your roof safe.

Get a free storm damage survey in Hampshire

If your roof has been hit by high winds or driving rain, we can inspect the damage and provide the documented report your insurer needs. Our surveys are director-led, free, and backed by a 10-year workmanship guarantee on new installations. Get a free quote by calling 02393873756 or emailing info@cjroofing-r.com. We respond within 48 hours.

Posted by: Connor Stanley
Date: 30 July 2026