Summer brings long days and warm evenings, but it also brings fast moving storms that can catch homeowners off guard. Heavy rain, strong winds, and surprise downpours have unfortunately become a part of New Zealand’s summer season, and they often lead to insurance claims. To minimise and mitigate damage from summer storms, here’s a few preparations you can take.
Downpours can overwhelm gutters, drains, and older roofing. When water enters the home unexpectedly, it is usually covered, but insurers do check that general maintenance has been kept up. Blocked gutters or worn roof tiles may affect how a claim is assessed. A small amount of pre summer maintenance can make a meaningful difference.
Loose outdoor items such as furniture, barbecues, sports gear, and trampolines can become hazards in high winds. Claims often involve broken windows, damaged fences, or harm to neighbouring properties. Securing your outdoor area before a storm or before you head away is one of the simplest ways to reduce risk.
Storms can also cause spikes in electricity that damage appliances and electronics. While many contents policies cover this type of accidental damage, older appliances may have limited replacement values. Using surge protectors on key appliances and devices is a practical way to reduce the chance of damage during sudden voltage changes. This is also a good moment to review your contents list and make sure it reflects what you would realistically need to replace.
Just as important as preparing your home is understanding how your insurance policy responds to severe weather, since this will guide what support you receive if a claim is needed. When considering if your policy meets your needs, look at:
Taking a few preventative steps before storm season arrives can significantly reduce the risk of damage and make any potential claims far more straightforward.
Summer storms may be a fact of life, but stress does not need to be. With a few simple checks and a clear understanding of your cover, you can enjoy the warmer months knowing your home and belongings are well protected if the weather takes a turn.
But… if you are ever impacted by a storm and need to make a claim, we’re here to help. We’ll guide you through the process, answer questions along the way, and support you to make sure your claim is handled quickly and efficiently. Having the right help on hand can make a difficult moment much easier to navigate.
For help with a claim or to review your home and contents cover, please contact Lance Pooley on lp*****@**********co.nz or at 09 418 0773.
The content of this article should not be taken as financial advice, or a recommendation of any financial product. These insights are based on current economic commentary, market pricing for interest rates, and our personal opinion. Threefold is not liable or responsible for any information, omissions, or errors present.