Storm damage consistently ranks as the second most common cause of commercial property insurance claims, closely following behind escape of water incidents, according to Allianz internal quarterly commercial property claims report.

As climate change continues to influence weather patterns, the frequency and intensity of storms are expected to rise in the UK. This growing threat poses significant challenges for property owners and insurers alike, making it more necessary to have a deeper understanding of the risks and proactive measures required to mitigate potential losses.

The increasing threat of storms

According to climate projections by the Met Office, winter storms in the UK are anticipated to increase in both number and intensity. This trend is indicative of a changing climate, where severe weather events are becoming more frequent and destructive.

To enhance public awareness and preparation, the Met Office assigns names to significant storms. This naming convention serves as an effective communication tool, highlighting potential hazards and enables both commercial businesses and the general public to put in place precautionary measures.

The Association of British Insurers (ABI)reported that storms Babet, Ciaran, and Debi in late 2023 resulted in approximately £155 million of damage to businesses, highlighting the financial burden these events can impose.

Extreme weather events are a major driver of commercial property losses. The impact includes property damage, business interruption, supply chain disruptions and sometimes loss of life.

In 2025, the Allianz claims team observed a spike in storm claims during December (2024), January (2025), and February (2025) with a significant percentage increase in insured storm claims compared to the previous year.

Common storm-related claims include:

  • Damage to roofs and siding from strong winds
  • Interior water damage from roof leaks
  • Flooding in basements and ground floors
  • Damage to outdoor equipment and signs
  • Damage to Solar panels

Therefore, it is crucial for businesses to review their insurance policies to ensure there is coverage from weather damage, as not all commercial property policies automatically include storm or flood protection.

Preparing for a storm

As the number of named storms rises, adopting proactive risk management strategies is essential to minimise losses. Businesses should:

  • Understand Insurance Coverage: Review policies to ensure comprehensive coverage against storm damage, including wind, hail, and flood protection.
  • Maintain Property: Regular maintenance can mitigate the impact of storm damage. Ensure properties are well-maintained and prepared for severe weather.
  • Enhance Resilience: Consider the long-term effects of storms on operations and supply chains. Develop strategies to enhance business resilience

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This article was adapted from an article by Allianz which can be found here.