Ireland has seen some of the most severe weather conditions in recent times. Extreme weather isn't uncommon. From severe flooding and water damage caused by Storm Darwin in 2014 to the devastation caused by Storm Ophelia recently, extreme weather is not uncommon.


Storm Ophelia brought the country to a halt for 24 hours. It was the strongest storm in 50 years. Many homes suffered severe structural damage and thousands were left without power for 24hrs.

Many people are curious whether their home insurance covers damage caused by bad weather. This is especially true when it comes to the possibility of severe tropical storms. We will look at the details of your policy to help you determine where you stand. Home Insurance

Insurance Ireland, an umbrella body of the insurance industry, has confirmed that homeowners with comprehensive contents and homeowner insurance water damage claims could be covered for storm damage. Customers were advised to review their policies immediately following storm damage.

These are the steps to follow if your home has been negatively affected by weather conditions.

Storms can damage roof tiles, gutters, and TV aerials, satellites, or fences. Assess the damage done to your home once you are able. Photographs can help you support your claim. Items that have been damaged by water can be removed. Do not toss them You may be required by your insurer to inspect the items in order to determine the extent of damage. We recommend that you store damaged items in a shed, skip or garage after your claim is settled.

Your policy may cover temporary repairs and alternative accommodation.

Emergency Home Assistance

Home emergencies like a broken roof or a plumbing problem may be covered by insurance companies. This is an excellent option for those who need to find someone quickly Water damage claim on home insurance.

Contact your insurance company immediately if you have to file a claim about your homeowner's policy. Contact information can be found on both your policy and on the website of your insurer.

You should be ready to claim the following

Keep your policy documents close to you 

All information should be kept confidential. For damaged items, receipts can be useful 

It  is important to prepare your statement prior to calling to avoid  missing any details or to make sure you are able to recall the events  correctly. 

Don't exaggerate your claim 

Find out how much you will be charged for the claim. 

Keep track of all claims. Keep track of the dates, times, and contents of any calls you make to insurance companies. Note any correspondence regarding your claim.