Weather warning update

We are receiving a very high volume of calls due to the extreme wet and windy weather conditions in the UK.

We are doing our best to answer your call, but you may face increased waiting times before we can deal with your query.

Please be assured that we are doing all that we can to progress claims as quickly as possible. Thank you for your patience.

Here is some advice to help you:

Be Prepared:

Before high winds strike:

  • Check where your family and any pets will be during the expected storm.
  • Shut and lock all windows and doors. Damage to garage and shed doors are also common claims so be sure to keep these closed and locked when not in use. This will not only prevent the wind blowing them off the hinges, it is good practice to keep your property secure to avoid an opportunist burglary.
  • If possible, put your car in a garage or avoid parking near trees and other objects that could become unstable.
  • Remove any debris or loose items from outside your home while it is safe to do so
  • Be prepared for power cuts by having a torch and blanket to hand.

What to do if your property has been flooded:

  • Contact our Claims Team on 0800 206 1965 as soon as possible.
  • Take photographs or film the damage to your building and contents if possible. This may help to settle your claim.
  • You may need to move to alternative accommodation if your property is flooded. The cost is usually covered under your insurance policy but check with the Claims team first.
  • Don't use electrical equipment or anything connected to the gas supply until it has been checked by a qualified tradesman.  It could be dangerous.
  • Don't throw away possessions without checking with your Claims Adviser as the items will need to be assessed.
  • Remember – your safety is paramount so please don’t take any unnecessary risks.

If your property is at risk of flooding:

  • Make a list of useful numbers you may need – your insurer, your local council, the emergency services and the number of Floodline: 0345 988 1188.
  • Make sure you have an evacuation plan for your family. This will reduce the risk of injury to your loved ones and give you more time to save items of sentimental and material value.
  • Store important documents, including insurance policy details and useful contact numbers, in a watertight bag in a dry accessible place.
  • Keep up-to-date with the latest weather and flood warnings by listening to local television and radio updates, but only if it is safe to use electrical equipment.
  • Put valuable and electrical items in high cupboards or take them upstairs to reduce the impact of any flood damage.
  • Only if it is safe to do so, check to ensure any drains and gutters are clear of debris so rainfall can drain from your property effectively – do not put anyone at risk of injury by carrying out these checks.
  • Make sure that your outdoor furniture and other items likely to float away are safely restrained to reduce the risk of these items causing secondary damage or being lost.
  • Buy and fit air brick covers and flood boards to block doorways.

If your property has been storm damaged:

  • Get in touch with us as soon as possible. Sainsbury's Bank Home insurance will usually pay for all emergency repairs that need to be carried out to stop the damage getting worse.
  • Take photographs or film all parts of the home damaged as a result of storms. This may help to settle your claim.
  • Damage to garage and shed doors are common claims. Keep these closed and locked when not in use. This will not only prevent the wind blowing them off the hinges, it is good practice to keep your property secure to avoid an opportunist burglary.
  • It may be possible to use a plastic sheet or tarpaulin to temporarily repair storm-damaged roofs, but remember that your safety is paramount. Don't try to do this or attempt any temporary repairs if this is not safe.
  • Under Buildings insurance, storm damage generally excludes damage to gates and fences. Walls that have fence panels inserted are usually covered, though the fence panel itself would still be excluded - please check when speaking to the Claims team. Some policies will also exclude hedges.
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