Insurance provider Paymentshield has warned homeowners they could risk further damage if they do not take the necessary precautions.

The storm has caused millions of pounds worth of damage, with fallen trees, flooding and collapsed roofs, which will inevitably result in thousands of claims to insurance companies across the country.

However, according to research commissioned by Paymentshield, 13% of homeowners admit to not having any home insurance and 32% of those with insurance don’t know what level of protection their policy offers.

Tim Johnson, CEO of Paymentshield, said: “There is a common misconception that all home insurance cover is the same, but in fact many policies offer entirely different benefits.

“For example at Paymentshield, we provide cover against the impact of trees and if one of our policyholder’s homes is badly damaged, our policy will provide alternative accommodation for their family and pets within 24 hours. Our policy also provides an emergency helpline, as standard, to help quickly put our customers in touch with an approved tradesperson to make repairs.

“If you’re in any doubt about what is or isn’t covered, talk to a financial adviser who can help you ensure you have the best product for your needs.”

The St Jude’s Day storm was unusually predicted days in advance. This gave homeowners the chance to ‘batten down the hatches’, but this November is predicted to be the start of the worst winter in decades and households may not have the same time to prepare before more bad weather hits.

Johnson added: “Storm damage illustrates why it is essential to ensure your home. It exists to provide cover but consumers should remember that it is not intended to be a maintenance policy. Some damage is caused as a result of wear and tear, and storm damage to fences, gates and hedges is generally not covered. People should act now to ensure that their property is in good condition.

“Many people forget the need to maintain their homes and do essential work. Weather proofing your home need not take a huge amount of effort, and in light of this storm, it’s better late than never for homeowners to make the necessary checks.”