As Storm Amy barrels toward the UK with winds reaching up to 80mph and torrential rain expected across northern and western regions, it’s more than just a weather event – it’s a serious risk to life, property and business continuity. As your trusted insurance broker, we want to help you understand the risks and take proactive steps to help protect what matters.
Driving during Storm Amy: A risk not to be underestimated
The RAC has warned that driving during Storm Amy will be “treacherous,” especially in affected areas like Scotland, Northern Ireland and Northwest England [1]. Here’s why:
- Reduced visibility & surface water: Heavy rain will impair visibility and increase stopping distances.
- Flying debris: High winds can send roof tiles, branches and signage into the road.
- Flooding: Localised flooding can cause catastrophic vehicle damage and pose a risk to life.
- High-sided vehicles: These are particularly vulnerable to crosswinds on exposed routes.
Insurance Tip: If you operate a fleet or rely on HGVs, ensure your drivers are briefed on storm protocols. Review your motor insurance policy to confirm cover for storm-related incidents.
Storm risks to commercial buildings
Storm Amy is expected to bring significant disruption to commercial properties, especially in coastal and exposed areas [2]. Risks include:
- Roof damage: Loose tiles or weak structures can be torn off, leading to water ingress.
- Flooding: Western Scotland could see up to 50mm of rain in just 6–9 hours [1]
- Power cuts: These can disrupt operations and damage electrical equipment.
- Flying debris: Unsecured outdoor items can become projectiles.
How to protect your business premises
Here are practical steps to help reduce risk and potential insurance claims:
Building & grounds preparation:
- Inspect roofs: Fix loose tiles and check chimney stacks.
- Clear gutters & drains: Prevent water build-up and flooding.
- Secure outdoor fixtures: Fasten signage, bins, and storage units.
- Trim trees: Remove overhanging branches that could fall.
Internal safety measures:
- Unplug non-essential equipment: Prevent electrical damage.
- Know emergency shut-offs: Be ready to cut power, gas or water.
- Elevate valuables: Store important documents and electronics above ground level.
Vacant property precautions:
- Maintain low heating: Prevent frozen pipes.
- Insulate vulnerable areas: Especially lofts and crawl spaces.
- Assign a property checker: Regular inspections can catch issues early
Advice from QMT Commercial
Storms like Amy are a reminder of why insurance matters. Here’s what we recommend:
- Review your policies: Ensure your commercial property, contents and business interruption cover are up to date.
- Document everything: Take photos before and after the storm for any potential claims.
- Know your excess: Understand what you’ll need to pay in the event of a claim.
- Emergency contacts: Keep your insurer’s helpline and local emergency services numbers handy.
Stay safe, stay covered
Storm Amy is a powerful reminder of nature’s unpredictability. But with the right preparation and insurance cover, you can weather the storm with greater confidence. If you’re unsure about your current policy or want to discuss additional cover, get in touch with us on 01227 285 540.
Sources:
- https://www.msn.com/en-gb/news/uknews/uk-to-be-battered-by-80mph-winds-as-first-named-storm-of-season-approaches/ar-AA1NEXvB
- https://www.msn.com/en-gb/weather/topstories/met-office-maps-show-where-storm-amy-will-hit-uk-with-heavy-wind-and-rain/ar-AA1NIx76
