Storm Bram could see house owners claims refused due to poor maintenance
With Storm Bram set to batter Northern Ireland tomorrow, households are being warned they risk having their insurance policies cancelled or claims denied if they ignore important home maintenance tasks.
The UK has been buffeted by an unprecedented number of storms in recent years, with Storm Eowyn, one of the most powerful in recent memory, wreaking havoc back in January.
More frequent and severe weather events have led to a surge in property claims, as well as higher repair costs due to inflation and supply chain issues. This in turn has driven an increase in home insurance premiums.
During the first half of 2025 alone, claims for weather-related damage to people’s homes and possessions across the UK hit £424m.**
And figures from home insurance experts at CompareNI.com show that in the five years up to 2024, Northern Ireland had the highest average cost in the UK for storm related damage claims at £1,500.
In comparison, regions such as South East and North West England – which are notoriously susceptible to flooding during heavy downpours – had average claims costs of £1104 and £800 respectively.
Research from the Association of British Insurers (ABI) shows that 25% of UK adults don’t know if their home is at risk of flooding and storm damage – and only 27% of those would know how to find out.***
With storm season now in full swing, CompareNI.com is warning households to take action to protect their properties from extreme weather by checking for damage and carrying out any essential maintenance.
Ian Wilson, home insurance expert and Managing Director of CompareNI.com said: “Extreme weather continues to play a significant role in the rising cost of home insurance, and with the UK experiencing more frequent and intense storms than ever before, it is vital that people read the terms and conditions of their home insurance policies to check that they have the right level of cover in place.
“With the cost-of-living crisis putting the squeeze on many household budgets, some people have cut back on repairing or refurbishing their properties.
However, putting off essential home maintenance tasks can be costly in the long run, as neglecting to keep the property in good condition could void home insurance.
“While insurance policies can cover accidental damage, providers will usually not pay out if the damage was down to poor maintenance on the policyholder’s part, leaving a hefty repair bill should the worst happen.”
One important maintenance task that property owners can carry out is to make sure their drains and gutters have been cleared of any potential blockages to prevent water damage.
Litter can be swept into drainage systems during storms and is a common cause of flooding, which can lead to significant property damage, while clogged gutters can cause water to leak into the home and cause damage to its roof or foundations.
A CompareNI.com survey found that littering is a major concern for many householders, with over two-thirds (68%) of respondents saying it is getting worse in their local area.
Homeowners should also check for any damage to their roof ahead of a storm, such as missing or cracked tiles that could be blown off by strong winds and allow water into their property.
Any loose garden furniture or flight risk items such trampolines or football nets should be secured, either by anchoring them down or storing them in a shed or garage. Fences and gates should also be firmly fixed in position, with extra support added if necessary.
CompareNI.com can help households across Northern Ireland compare and find savings on their home insurance.
*https://www.metoffice.gov.uk/blog/2025/met-office-deep-dive-for-september-3
**https://www.abi.org.uk/news/news-articles/2025/8/one-in-four-remain-unaware-of-potential-flood-or-s…
***https://www.abi.org.uk/news/news-articles/2025/8/one-in-four-remain-unaware-of-potential-flood-or-s…
CompareNI Survey: Findings are based on a randomised survey of 800 respondents across NI during September 2025, which represents a margin of error of approximately 5% at a 95% confidence level.
Average claim cost for storm related damage
| UK region | Average claim cost |
| Northern Ireland | £1500 |
| London | £1260 |
| East of England | £1200 |
| Wales | £1150 |
| South East England | £1104 |
| Scotland | £1003 |
| West Midlands | £1000 |
| South West England | £1000 |
| East Midlands | £972 |
| North East England | £900 |
| North West England | £800 |
| Yorkshire | £700 |
Data collected from a sample of over 100,000 homeowners across the UK in the five years up to 2024.
