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09 Dec 2025

Storm Bram: Homeowners warned poor maintenance could see flood damage claims rejected

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

Storm Bram: Homeowners warned poor maintenance could see flood damage claims rejected

Homeowners are being warned that putting off or ignoring essential maintenance could see their insurance claims refused. Photo credit: iStock.com Dizzy

Reporter:

Staff Reporter

09 Dec 2025 10:33 AM

Email:

news@derrynow.com

With Storm Bram set to batter Ireland today, households are being warned they risk having their insurance policies cancelled or claims denied if they ignore important home maintenance tasks.
The country 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.
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.
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 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.
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. 

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