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Storm-damaged roof — emergency tarp, full repair quoted and insurance-claim ready paperwork.
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Costs, timelines, pitfalls and the right questions to ask before any roofer starts on storm Damage Roof Repair.
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Itemised quotes from up to 3 local roofers on storm Damage Roof Repair — so you can compare like-for-like, not lump sums.
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Four moves that separate a smooth job from a nightmare.
Hidden damage
Storm rips tile causes water damage spreading into rafters. Always inspect loft.
Insurance excess
Storm damage cover usually has £150–£500 excess. Small claims often not worth claiming.
Underestimating widespread damage
One visible broken tile may indicate many. Storm-damaged roofs often need fuller assessment.
Cowboy "storm chasers"
Travelling rogue traders target storm-hit areas. Use established local contractor with insurance.
Costs & timeline
Know what it costs. Know when it ends.
Indicative UK ranges and a typical week-by-week schedule.
Cost range
By job type
Inc. VAT · 2026
Source: NMT quotes
Source: NMT quotes
Emergency tarpaulin / temporary coverOut-of-hours callout
£150–£500
Replace 1–5 storm-damaged tilesIncluding access
£200–£500
Re-bed lifted ridge tile1–3m of ridge
£250–£700
Replace lead flashingPer detail
£300–£800
Tree branch removal + damage repairPlus tree surgery
£500–£2.5k
Full storm restorationMultiple damage areas
£1.5k–£5k
!
Quote spread is typically ± 18% — always get 3 quotes.
Timeline
Semi-detached full re-roof · week by week
Typical
4 phases · 3 wk
4 phases · 3 wk
W1
W2
W3
Scaffold erection
Strip + felt + battens
Tile + ridge + verge
Flashings + snags
!
Schedule slips on dependencies — pad each phase by 10–20% for real-world delays.
At a glance
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Roofer explained
UK storms cause widespread roof damage — lifted tiles, dislodged ridges, fallen branches, missing flashings. Most claims are covered by buildings insurance. Expect to pay £200–£3,500 for typical UK storm damage repair (minus excess if insured).
What Does the Work Involve?
Emergency: temporary tarpaulin to prevent water ingress. Documentation: photos of damage for insurance claim. Repair: replace damaged tiles, re-bed lifted ridges, refit flashings, repair gutters and downpipes. Make-good of any water damage inside (plasterer if needed). Final assessment for hidden damage.
Typical Costs
| Item | Low (£) | High (£) | Notes |
|---|---|---|---|
| Emergency tarpaulin / temporary cover | 150 | 500 | Out-of-hours callout |
| Replace 1–5 storm-damaged tiles | 200 | 500 | Including access |
| Re-bed lifted ridge tile | 250 | 700 | 1–3m of ridge |
| Replace lead flashing | 300 | 800 | Per detail |
| Tree branch removal + damage repair | 500 | 2,500 | Plus tree surgery |
| Full storm restoration | 1,500 | 5,000 | Multiple damage areas |
| Internal water damage make-good | 500 | 3,000 | Plaster, paint, ceilings |
How Long Does It Take?
Emergency response: same-day callout (priority). Full repair: depends on weather and scaffold needs — typically 1–7 days.
DIY or Professional?
Professional. Emergency tarp can be DIY but proper repair needs roofing skill and access. Insurance often requires professional invoice.
Choosing the Right Tradesperson
NFRC member or local roofer with insurance work experience. Most storm-experience contractors deal directly with insurance assessors. Get the quote in writing for the insurance claim.
UK Regulations
Repairs to like-for-like usually not notifiable. Major repair (re-roofing one slope) may trigger Building Regs Part L upgrade. Listed buildings always need consent (emergency exceptions exist).
Common Problems
- Hidden damage: Storm rips tile causes water damage spreading into rafters. Always inspect loft.
- Insurance excess: Storm damage cover usually has £150–£500 excess. Small claims often not worth claiming.
- Underestimating widespread damage: One visible broken tile may indicate many. Storm-damaged roofs often need fuller assessment.
- Cowboy "storm chasers": Travelling rogue traders target storm-hit areas. Use established local contractor with insurance.
Frequently Asked Questions
Will my insurance cover storm damage?
Buildings insurance with storm cover — yes. Subject to policy excess. Claim must be made promptly (typically within 30 days).
How do I document storm damage?
Photos from ground level and (where safe) inside. Date and time. Storm record from Met Office (a published official storm validates the claim).
What's "storm" for insurance purposes?
Typically: wind gusts over 55 mph (or named UK storms). Heavy rain, hail, lightning. Different insurers define slightly differently — read your policy.
Should I get multiple quotes?
Yes — insurance will compare quotes. Choose your preferred contractor; insurance pays the agreed amount.
Will my insurance pay for upgrades?
No — like-for-like only. Upgrades (better tiles, more insulation) must be paid by you, but bundled with the insurance work saves on access cost.
Tree fell on my roof — who pays?
Your insurance. If neighbour's tree fell on your roof: depends on whether they were negligent. Document the source.
This guide was written with AI assistance and is intended for general information only. Prices are estimates based on UK averages and may vary by region. Always get at least three quotes and consult a qualified professional before starting any work.
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