Usually yes, if your policy includes buildings cover and the damage was sudden. Gradual wear is not covered, and every policy words it differently, so check yours. Photograph the damage, make it safe, keep every receipt and tell your insurer promptly. We give you the photographic report and written assessment insurers ask for.
Insurance Ireland, the industry body, says household buildings and contents policies cover damage caused by storms. In practice that means slates and tiles blown off, ridge tiles lifted, lead flashing torn back, gutters pulled from the wall, and rain getting into the house through a storm-damaged roof, as long as your policy includes buildings cover.
Two things sit outside most policies. The first is gradual deterioration: nail sickness, rot, rusted valleys, moss-lifted tiles. The second is anything your policy excludes by name. 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.
A leak can show up days after the wind has dropped, so check the attic and ceilings as well as the outside.
Not if the insurer decides wear caused the failure. Insurers send a surveyor or loss adjuster to decide what caused the damage. If a storm damaged a roof that was sound before, that is a storm claim. If the roof was already failing and the wind finished it off, the insurer may refuse or reduce the payment. Photographs of the damage matter, and so does any record of the roof's condition before it: a recent survey or an earlier repair invoice.
A make-safe is the quick job that stops water or danger: a tarpaulin, a temporary fixing, a secured section. It is priced separately from the permanent repair, which comes later once the insurer has agreed the work. Our indicative 2026 ranges, before VAT at 13.5%:
Indicative 2026 price range, in euro, before VAT at 13.5%
These ranges are indicative. The exact cost is confirmed after a free survey, and scaffolding appears as its own line where it is needed.
A loss adjuster is appointed by your insurer. A loss assessor is a separate professional you can hire to represent you, and you pay their fee yourself. Many householders do not need one for a few slates. For a large claim you may want one. If you hire one, ask what they charge and check their credentials before you sign anything.
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.
Read what customers say on our reviews page and see the jobs on our case studies page.
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Dublin 01 2657795Cork 021 2040925Limerick 061 788600Galway 091 622895Get a free quote
Outside these four cities, read the general guide to storm damage and home insurance.
That is all you need to do today. We take it from there.
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.
For roof repairs anywhere we cover, call Dublin 01 2657795, Cork 021 2040925, Limerick 061 788600, Galway 091 622895, or request a free quote. You can read what customers say on our reviews page and see real jobs in our case studies.
Usually, if the damage was sudden and caused by the storm and your policy includes buildings cover. Insurance Ireland says household buildings and contents policies cover storm damage. Wear and tear is not covered.
It depends on how your policy defines a storm. Allianz Ireland, for example, describes its storm cover as wind of more than 47 knots (87 km/h), and other insurers word it differently. Check your policy wording or ask your insurer.
It can. Ask your insurer or broker before you claim on something small.
Check your policy. We can give you our own written assessment and costing to put in front of the insurer.
Insurers will usually pay for temporary repairs. Keep every receipt and photograph the work.
Ask for the reason in writing. Our photographs and report can help show what the damage looks like. The decision is the insurer's, and if you disagree you can complain to the Financial Services and Pensions Ombudsman.
Your policy sets this, and it differs between insurers. Ring your insurer as soon as it is safe to, and get a claim reference.
The part of a claim you pay yourself. It is written in your policy schedule.
Our indicative 2026 ranges are €300 to €800 for storm weatherproofing, €400 to €2,500 for a leak repair and €1,500 to €8,000 for emergency storm damage work, before VAT at 13.5%. The exact price is confirmed after a free survey.
Only where the building is high or access is hard. It is shown as a separate line on the quote.
Yes. We provide the photographic report and written assessment insurers ask for.
Call Dublin on 01 2657795, Cork on 021 2040925, Limerick on 061 788600 or Galway on 091 622895, or use the quote form on this page.
Roof Repairs in Ireland. Free survey, written fixed-price quote, 10-year guarantee.