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Storm damage29 August 20264 min read

Storm damage on your roof? What to check, what to photograph, and what insurers want

After a named storm, insurers want dated photographic evidence and a clear description of damage. Here is how to check your roof safely and what a claim-ready report looks like.

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Storm season in Scotland does most of its damage quietly. Tiles lift and sit back down, ridge mortar cracks, flashing peels an inch — none of it visible from the pavement, all of it water entry points waiting for the next band of rain. If a named storm has just passed over your street, here is what to do.

Check from the ground first — never climb

  • Walk the perimeter and look up: slipped slates usually show as a stepped shadow line.
  • Check the ground, drive and gutters: fallen tiles, ridge fragments and pieces of fascia are definitive evidence.
  • Look inside too: a fresh stain in the attic or on an upstairs ceiling after the storm is a finding.
  • Note the date the storm hit your postcode — you will need it for any claim.

What insurers actually want

Most building policies cover storm damage, but claims fail on evidence. Insurers look for three things: dated photographs showing the damage clearly, a description that ties the damage to the weather event, and a view on what requires urgent repair. A roofer's quote on its own rarely covers all three — and it often comes with an incentive to find work.

What a storm damage drone survey gives you

A drone photographs every pitch, ridge, valley, chimney and gutter from above — the parts of the roof that storm damage actually hits and nobody can see from the ground. Each defect is circled on the photograph, described in plain English and graded for severity, so your insurer gets a clean, dated, independent record. Because AyeInspect never carries out repairs, the report cannot be dismissed as a quote dressed up as evidence.

Timing matters more than people think

Insurers increasingly ask for evidence close to the storm date. A survey booked within days of the event is far harder to dispute than one commissioned weeks later after further weathering.

Storm damage surveys are £99 for residential properties across Glasgow, Lanarkshire, Edinburgh, Falkirk, Stirling and Paisley, with the annotated report back within 24 hours. If you need the evidence packaged for a claim, our Insurance Evidence Pack add-on (£39) structures it into a claim-ready document you can send straight to your insurer.

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