How to get prepared before a storm.

Stormy weather can take us all by surprise and cause havoc. If you know a storm is coming, it's important you react quickly but calmly. Here are some simple steps you can take to help protect your home against storms.

Inspect your roof
Make sure there aren't any loose or broken tiles that could blow off and damage property or injure people.

Keep rain out
Check that your windows and doors fit securely and that the seals aren’t damaged. Have a look at your guttering to see if it's securely fitted and not blocked. Blocked downpipes create overspill so make sure they are clear.

Secure everything outside
Make sure fences and gates are sturdy. Try to secure garden furniture, bins, trampolines, plant pots and anything that isn’t tied down which could be blown around. If it can’t be secured, try and move it to a sheltered part of your garden or further away from your home.

Put an emergency kit together
Keep a torch, candles and lighter, tinned food, warm clothing and blankets in a waterproof bag.

Make a list of emergency contacts
Add numbers to your mobile for local tradespeople. You might need a roofer, plumber and electrician, as well as numbers for your utility and insurance companies.

Insurance policy documents
Make sure you have these to hand.

Storms can cause flooding
Read more about how to get prepared for a flood.

Please note: This is general advice about how to maintain your property. It's not a reflection of the cover we provide. If you are an existing customer looking to understand your policy, you can view your policy documents online.

What to do during a storm


  • stay inside and wait for the storm to pass
  • have your emergency kit close to hand
  • turn off your gas and electric If you are at risk of flooding.


  • go outside to try and repair damage during the storm
  • touch the electricity supply if you are standing in water.

What to do if your home is damaged by a storm

  1. Get in touch as soon as you can to let us know what’s happened. You can make a claim online or call us.
  2. Remove any damaged contents. Don’t throw them away as you may need them later for your claim.
  3. Keep samples of your carpets and rugs if you can.
  4. Take photographs and make a list of all damaged items to help support your claim.

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Halifax Home Insurance Select underwritten by Lloyds Bank General Insurance Limited.

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.