What impact can weather have on my home?

Weather can be unpredictable but understanding how it could affect your home can help you feel more in control.

 

We can help you:

  • understand the main types of weather-related risks to your property
  • find where you can check your home's risk
  • plan how to help protect your home with some simple first steps.

Types of weather events and how they might impact your home

Some types of severe weather include flooding, erosion, subsidence or wildfires.

These climate-related events can cause both superficial and severe damage to buildings, affecting a home’s value and functionality. Which is why, if you own a home or have a mortgage, it is important to understand the impacts that weather can have on your home and financial health.​

Flooding

Flooding can be linked to rivers or coastlines during high tides but it can also be linked to heavy rainfall and surface water flooding. It doesn’t affect every home in the same way.

Flooding could cause damage to floors, walls, electricals and personal belongings. Sediment left behind by flood waters causes further debris and safety risks.

While flooding can sometimes affect a home, understanding the risk your property may face can help you feel more prepared. By checking your home’s risk and learning about protective measures, you can take practical steps to help protect your property.

Subsidence

Subsidence is a structural issue when the ground beneath a home shifts over time.

This movement is gradual, but when it does occur there are early signs such as small cracks in walls and doors. You may also notice windows becoming harder to open or close.

Over time this can lead to structural damage such as sloping floors and separations between walls, ceilings and extensions.

If you notice anything that concerns you, a qualified professional can assess the situation and advise on next steps. Getting guidance early can help put your mind at ease and make sure any issues are managed properly.

Coastal erosion

Erosion is a gradual process where soil slowly wears away over time, often influenced by heavy rainfall or changes to the landscape.

Early signs include small patches of soil washing away or changes to garden areas close to the home. These signs don’t mean there’s a problem, but they can be helpful indicators to keep an eye on.

When erosion does occur, it can weaken foundations, create cracks in walls and lead to tilting of the property.

By knowing the likelihood of erosion in your area and local protection measures, you can feel more confident about caring for your home and knowing where to turn for advice should you need it.

Wildfires

Wildfires are less common in the UK, but in some areas they can occur during long, dry periods, particularly near open woods or heathland.

Most homes are not directly affected, but being aware of your local surroundings and weather conditions can be helpful. Small steps - such as keeping gardens clear of dry leaves and staying informed during hot weather - can help reduce risk.

Understanding if wildfires are a consideration in your area, and knowing where to find local advice can help you feel prepared and confident about protecting your home.

Initial steps to take to protect your home against the weather

Step 1

Check the risk of your home by exploring these government links.

Step 2

Draw up a plan to help you act faster and make sure you know what to do should the worst happen.

This includes signing up to warnings and local government alerts.

Step 3

Take measures to protect your home, from installing technologies like flood defence barriers to ensuring your home receives maintenance checks on a regular basis

Getting started

We've pulled together some helpful government links to help you check your home's risk and learn more about how to protect it.

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