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Roof Storm Damage and Home Insurance in Dublin

If a storm has damaged your Dublin roof, home buildings insurance usually covers sudden damage but not gradual wear. Photograph the damage, get it made safe, keep every receipt and ring your insurer. We provide the photographic report and written assessment insurers ask for, and survey Dublin homes for free.

Guide Dublin, Ireland Updated 2026-10-24 By Patrick Foley, Business Owner
Felt Roof Repair & Full Replacement, Blackrock, Dublin South
Blackrock, Dublin

Roof Storm Damage and Insurance in Dublin at a Glance

  • Usually covered: sudden storm damage, where your policy has buildings cover. Insurance Ireland, the industry body, says household buildings and contents policies cover damage caused by storms.
  • Usually not covered: gradual wear, rot and neglected maintenance.
  • Water is the urgent part: a leak that has reached the ceiling has already moved beyond the roof, so get it made safe fast.
  • Cost to make safe: our indicative 2026 range for storm weatherproofing is €300 to €800, before VAT at 13.5%.
  • Next step: a free survey anywhere in Dublin. Call 01 2657795.

This guide is for Dublin roofs. Gutter-only work in Dublin is handled by Recommended Guttering. For other areas, see the general guide.

Is Roof Storm Damage Covered by Home Insurance in Dublin?

Usually yes, where the damage is sudden. A Dublin storm claim is typically slipped slates, lifted ridge tiles, lead flashing torn from a chimney, or felt peeled back on a flat roof. Allianz Ireland, for example, describes its storm cover as wind of more than 47 knots (87 km/h). Other insurers word it differently, so your policy schedule is the only place to confirm yours.

Dublin Roofs and Why the Roof Type Matters

Dublin has a mix of older terraces, 1930s to 1980s estates and newer infill, and many houses carry a flat-roofed rear extension as well as a pitched roof. A storm tests each differently. Pitched roofs lose slates and ridges. Flat roofs fail at the felt, the upstands and the edges, and the water often travels before it shows. Insurers separate a sudden storm failure from an old flat roof that was due for replacement, so a record of the roof's condition helps.

What to Do After a Storm in Dublin

  1. Stay off the roof and ladders. Check from the ground, the attic and the ceilings.
  2. Photograph the damage and any water marks before anything is moved, with date and location on.
  3. Have the roof made safe. Insurers will usually pay for temporary repairs, so keep every receipt.
  4. Ring your insurer and get a claim reference. Ask what notification time limit your policy sets.
  5. Get our photographic report, written assessment and costing, and pass them to your insurer.
  6. Wait for the insurer to agree the scope before you authorise permanent repairs, unless they confirm in writing that you can.

Storm Repair Prices in Dublin

Our indicative 2026 ranges, before VAT at 13.5%, are below. Scaffolding is quoted as its own line, and the exact price is confirmed after a free survey.

  • Storm weatherproofing (immediate protection)€300 to €800
  • Leak repair€400 to €2,500
  • Emergency storm damage work€1,500 to €8,000

When a Dublin Storm Claim Is Reduced

  • The insurer judges the damage to be wear and tear
  • Nothing links the damage to the storm date
  • The claim is late against your policy's own time limit
  • No steps were taken to stop further water getting in

Related reading: what to do when your roof is leaking in Dublin, roof repair costs in South Dublin and lead flashing and chimney aprons in Dublin. See our roof repairs in Dublin page too.

For the insurer's side, Insurance Ireland is the industry body. If a claim is refused and you disagree, you can complain to the Financial Services and Pensions Ombudsman. For wind warnings on the day, see Met Éireann.

Our Guarantees on Storm Repair and Replacement Work

  • Repairs: a written guarantee of a minimum of 3 years, up to 10 years on major repair work.
  • Replacements: a 10-year written workmanship guarantee.
  • Lifetime Leak Guarantee: any job that involves a gutter or roof replacement also carries it. A plain repair that replaces neither does not.
  • We are CIRI registered, carry €6.5m public liability cover and use our own crews, with no subcontracting.

See our Dublin roofers page and the jobs on our case studies page.

Want us to look at it? Call now or send your details for a free survey.

Dublin 01 2657795Get a free quote

Storm Damage and Insurance in Our Other Cities

Outside these four cities, read the general guide to storm damage and home insurance.

Have storm damage? Do these three things now

  1. Take photos of the damage from the ground and from inside the house. Do not go on the roof or up a ladder.
  2. Send them to us. Call Dublin on 01 2657795, use the free quote form at the bottom of this page, or reply to our email if we wrote to you. We will tell you what is needed and arrange a free survey. If something is unsafe, say so and we will make it safe first.
  3. Ring your insurer and get a claim reference. Tell them what happened and when. Keep every receipt.

That is all you need to do today. We take it from there and give you the photo report, written assessment and costing for your insurer.

Who should I hire for roof repairs in Dublin?

Recommended Roofing is a CIRI-registered roofing contractor founded in Cork in 2019, working across Dublin, Cork, Limerick and Galway. We employ our own crews and do not subcontract the work. We carry €6.5 million public liability insurance and €13 million employer liability insurance.

Repairs carry a written guarantee of a minimum of 3 years, and up to 10 years on major repair work. Replacement work carries a 10-year written guarantee, and any job that involves a roof or gutter replacement also carries our Lifetime Leak Guarantee. The Lifetime Leak Guarantee does not apply to a repair that replaces neither.

To have Recommended Roofing look at roof repairs in Dublin, call Dublin 01 2657795, or request a free quote. You can read what customers say on our reviews page and see real jobs in our case studies.

Common Questions

Questions about roof repairs
in Dublin.

Does home insurance cover storm damage to a roof in Dublin?

Usually, if the damage was sudden and your policy has buildings cover. Insurance Ireland says household buildings and contents policies cover storm damage.

Is a flat roof covered for storm damage?

It can be, if the storm caused the failure. An insurer may say an old flat roof failed from age. A record of its condition before the storm helps.

What counts as a storm?

Your policy decides. Allianz Ireland, for example, describes storm cover as wind of more than 47 knots (87 km/h). Other insurers word it differently.

Are temporary repairs covered?

Insurers will usually pay for them. Keep the receipts.

How much does it cost to make a roof safe after a storm?

Our indicative 2026 range for storm weatherproofing is €300 to €800, before VAT at 13.5%.

How much is a leak repair?

Our indicative 2026 range is €400 to €2,500, before VAT at 13.5%.

What does emergency storm damage work cost?

Our indicative 2026 range is €1,500 to €8,000, before VAT at 13.5%, depending on the damage and the access.

Should I tell my insurer before I get repairs done?

Yes. Ring them promptly and get a claim reference. Make the roof safe, but wait for agreement before authorising permanent repairs.

Do I need a loss assessor?

Many householders do not need one for a few slates. For a large claim you may want one, and you pay their fee yourself.

What if my insurer refuses the claim?

Ask for the reason in writing. If you disagree, you can complain to the Financial Services and Pensions Ombudsman.

Can you give me a report for my insurer?

Yes. We provide the photographic report and written assessment insurers ask for.

How do I get a free survey in Dublin?

Call 01 2657795 or use the quote form on this page.

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