January 9, 2026
Last night, the Island was battered by Storm Goretti; this morning Islanders are beginning to assess the damage left in its wake.
Thankfully, initial indications are that Goretti caused significantly less damage than Storm Ciarán, which struck the Island in November 2023 and that the damage that has been caused is relatively minor, with fallen trees and broken fencing making up the lion’s share.
That said, Goretti did manage a few more adventurous feats: a shed reportedly took a stroll in Grands Vaux, several hot-tub covers went A.W.O.L. (talk about a first world problem!) and a few roof tiles met their match at the hands of the tempest.
As the clean-up begins and the full extent of the damage becomes clearer, the question that is always asked is: who is responsible for paying for the repairs? This question is particularly important where an item from one property causes damage to a neighbouring property, or something on it (e.g. a car, a window, or a roof etc).
In law, storms are classified as “Acts of God” on the basis that they are natural, unpreventable events which are beyond human control, and as a general rule a property owner will not be responsible for storm damage caused to a neighbour’s property by items originating from their land.
That said, every general rule has an exception and in the case of storm damage, liability may arise where a known defect existed in their property or something on their property before the storm and the property owner failed to take reasonable steps to prevent foreseeable damage occurring.
By way of example, a property owner is unlikely to be liable for damage caused to their neighbour’s property by a tree falling from their land if, prior to the storm, the tree was well maintained and otherwise healthy. If, however, the tree was dead, or suffering from some disease (which affected the strength of the tree), prior to the storm and the property owner was aware of that issue and did nothing about it, they are likely to be held liable for any damage arising from that tree falling during the storm.
Liability may also arise where a property owner fails to take steps to secure loose roof tiles that they are aware of, or to properly tie down trampolines, hot tub covers, or other garden furniture.
Most modern buildings insurance policies will include cover for common storm related damage (i.e. loss caused by high winds, hail and/or lightning). It is, however, important to check the terms of your specific policy before making a claim.
Where damage has occurred, you should make contact with your insurer. In the case of damage to your property contact your building’s insurance provider. In the case of damage to your car contact your motor insurer.
You should claim against your own insurance policy regardless of whether the damage was caused by the storm itself, or a risk emanating from a neighbouring property. Your insurer will then take a view as to whether it wishes to pursue your neighbour or their insurer for a contribution to the repair costs.
Here are 10 practical tips for avoiding storm damage (and therefore liability), and for making a claim under your insurance policy if your property suffers damage during a storm:
1. Inspect and maintain your roof regularly
Loose tiles, damaged flashing, and blocked gutters are common failure points in high winds and heavy rain.
2. Secure outdoor items
Garden furniture, trampolines, sheds, and bins should be tied down or stored inside before a storm hits.
3. Check trees and hedges
Remove dead branches and address diseased or unstable trees before they become a hazard, if necessary, by instructing a tree surgeon.
4. Maintain fences, gates, and outbuildings
Weak fixings and rotting panels are far more likely to fail during strong winds.
5. Clear drains, gutters and gullies
Blocked drainage channels increase the risk of internal water damage during heavy rainfall.
1. Document the damage immediately
Take clear photographs and videos before any temporary repairs are carried out.
2. Prevent further damage
Insurers expect reasonable steps to reduce additional loss, such as covering a damaged roof or boarding broken windows.
3. Notify your insurer promptly
Delays can complicate or prejudice a claim, particularly after widespread storm events.
4. Keep receipts and records
Retain invoices for emergency repairs, replacement items, and temporary accommodation if needed.
5. Check your policy wording carefully
Confirm what perils are covered, note any exclusions, and be aware of excesses and claim limits before proceeding.
If your property has suffered damage during Storm Goretti (or any storm) and you wish to discuss the remedies that might be available to you, please do not hesitate to contact a member of BCR Law’s Dispute Resolution Team.
Last night, the Island was battered by Storm Goretti; this morning Islanders are beginning to assess the damage left in its wake.
Thankfully, initial indications are that Goretti caused significantly less damage than Storm Ciarán, which struck the Island in November 2023 and that the damage that has been caused is relatively minor, with fallen trees and broken fencing making up the lion’s share.
That said, Goretti did manage a few more adventurous feats: a shed reportedly took a stroll in Grands Vaux, several hot-tub covers went A.W.O.L. (talk about a first world problem!) and a few roof tiles met their match at the hands of the tempest.
As the clean-up begins and the full extent of the damage becomes clearer, the question that is always asked is: who is responsible for paying for the repairs? This question is particularly important where an item from one property causes damage to a neighbouring property, or something on it (e.g. a car, a window, or a roof etc).
In law, storms are classified as “Acts of God” on the basis that they are natural, unpreventable events which are beyond human control, and as a general rule a property owner will not be responsible for storm damage caused to a neighbour’s property by items originating from their land.
That said, every general rule has an exception and in the case of storm damage, liability may arise where a known defect existed in their property or something on their property before the storm and the property owner failed to take reasonable steps to prevent foreseeable damage occurring.
By way of example, a property owner is unlikely to be liable for damage caused to their neighbour’s property by a tree falling from their land if, prior to the storm, the tree was well maintained and otherwise healthy. If, however, the tree was dead, or suffering from some disease (which affected the strength of the tree), prior to the storm and the property owner was aware of that issue and did nothing about it, they are likely to be held liable for any damage arising from that tree falling during the storm.
Liability may also arise where a property owner fails to take steps to secure loose roof tiles that they are aware of, or to properly tie down trampolines, hot tub covers, or other garden furniture.
Most modern buildings insurance policies will include cover for common storm related damage (i.e. loss caused by high winds, hail and/or lightning). It is, however, important to check the terms of your specific policy before making a claim.
Where damage has occurred, you should make contact with your insurer. In the case of damage to your property contact your building’s insurance provider. In the case of damage to your car contact your motor insurer.
You should claim against your own insurance policy regardless of whether the damage was caused by the storm itself, or a risk emanating from a neighbouring property. Your insurer will then take a view as to whether it wishes to pursue your neighbour or their insurer for a contribution to the repair costs.
Here are 10 practical tips for avoiding storm damage (and therefore liability), and for making a claim under your insurance policy if your property suffers damage during a storm:
1. Inspect and maintain your roof regularly
Loose tiles, damaged flashing, and blocked gutters are common failure points in high winds and heavy rain.
2. Secure outdoor items
Garden furniture, trampolines, sheds, and bins should be tied down or stored inside before a storm hits.
3. Check trees and hedges
Remove dead branches and address diseased or unstable trees before they become a hazard, if necessary, by instructing a tree surgeon.
4. Maintain fences, gates, and outbuildings
Weak fixings and rotting panels are far more likely to fail during strong winds.
5. Clear drains, gutters and gullies
Blocked drainage channels increase the risk of internal water damage during heavy rainfall.
1. Document the damage immediately
Take clear photographs and videos before any temporary repairs are carried out.
2. Prevent further damage
Insurers expect reasonable steps to reduce additional loss, such as covering a damaged roof or boarding broken windows.
3. Notify your insurer promptly
Delays can complicate or prejudice a claim, particularly after widespread storm events.
4. Keep receipts and records
Retain invoices for emergency repairs, replacement items, and temporary accommodation if needed.
5. Check your policy wording carefully
Confirm what perils are covered, note any exclusions, and be aware of excesses and claim limits before proceeding.
If your property has suffered damage during Storm Goretti (or any storm) and you wish to discuss the remedies that might be available to you, please do not hesitate to contact a member of BCR Law’s Dispute Resolution Team.
Last night, the Island was battered by Storm Goretti; this morning Islanders are beginning to assess the damage left in its wake.
Thankfully, initial indications are that Goretti caused significantly less damage than Storm Ciarán, which struck the Island in November 2023 and that the damage that has been caused is relatively minor, with fallen trees and broken fencing making up the lion’s share.
That said, Goretti did manage a few more adventurous feats: a shed reportedly took a stroll in Grands Vaux, several hot-tub covers went A.W.O.L. (talk about a first world problem!) and a few roof tiles met their match at the hands of the tempest.
As the clean-up begins and the full extent of the damage becomes clearer, the question that is always asked is: who is responsible for paying for the repairs? This question is particularly important where an item from one property causes damage to a neighbouring property, or something on it (e.g. a car, a window, or a roof etc).
In law, storms are classified as “Acts of God” on the basis that they are natural, unpreventable events which are beyond human control, and as a general rule a property owner will not be responsible for storm damage caused to a neighbour’s property by items originating from their land.
That said, every general rule has an exception and in the case of storm damage, liability may arise where a known defect existed in their property or something on their property before the storm and the property owner failed to take reasonable steps to prevent foreseeable damage occurring.
By way of example, a property owner is unlikely to be liable for damage caused to their neighbour’s property by a tree falling from their land if, prior to the storm, the tree was well maintained and otherwise healthy. If, however, the tree was dead, or suffering from some disease (which affected the strength of the tree), prior to the storm and the property owner was aware of that issue and did nothing about it, they are likely to be held liable for any damage arising from that tree falling during the storm.
Liability may also arise where a property owner fails to take steps to secure loose roof tiles that they are aware of, or to properly tie down trampolines, hot tub covers, or other garden furniture.
Most modern buildings insurance policies will include cover for common storm related damage (i.e. loss caused by high winds, hail and/or lightning). It is, however, important to check the terms of your specific policy before making a claim.
Where damage has occurred, you should make contact with your insurer. In the case of damage to your property contact your building’s insurance provider. In the case of damage to your car contact your motor insurer.
You should claim against your own insurance policy regardless of whether the damage was caused by the storm itself, or a risk emanating from a neighbouring property. Your insurer will then take a view as to whether it wishes to pursue your neighbour or their insurer for a contribution to the repair costs.
Here are 10 practical tips for avoiding storm damage (and therefore liability), and for making a claim under your insurance policy if your property suffers damage during a storm:
1. Inspect and maintain your roof regularly
Loose tiles, damaged flashing, and blocked gutters are common failure points in high winds and heavy rain.
2. Secure outdoor items
Garden furniture, trampolines, sheds, and bins should be tied down or stored inside before a storm hits.
3. Check trees and hedges
Remove dead branches and address diseased or unstable trees before they become a hazard, if necessary, by instructing a tree surgeon.
4. Maintain fences, gates, and outbuildings
Weak fixings and rotting panels are far more likely to fail during strong winds.
5. Clear drains, gutters and gullies
Blocked drainage channels increase the risk of internal water damage during heavy rainfall.
1. Document the damage immediately
Take clear photographs and videos before any temporary repairs are carried out.
2. Prevent further damage
Insurers expect reasonable steps to reduce additional loss, such as covering a damaged roof or boarding broken windows.
3. Notify your insurer promptly
Delays can complicate or prejudice a claim, particularly after widespread storm events.
4. Keep receipts and records
Retain invoices for emergency repairs, replacement items, and temporary accommodation if needed.
5. Check your policy wording carefully
Confirm what perils are covered, note any exclusions, and be aware of excesses and claim limits before proceeding.
If your property has suffered damage during Storm Goretti (or any storm) and you wish to discuss the remedies that might be available to you, please do not hesitate to contact a member of BCR Law’s Dispute Resolution Team.
Last night, the Island was battered by Storm Goretti; this morning Islanders are beginning to assess the damage left in its wake.
Thankfully, initial indications are that Goretti caused significantly less damage than Storm Ciarán, which struck the Island in November 2023 and that the damage that has been caused is relatively minor, with fallen trees and broken fencing making up the lion’s share.
That said, Goretti did manage a few more adventurous feats: a shed reportedly took a stroll in Grands Vaux, several hot-tub covers went A.W.O.L. (talk about a first world problem!) and a few roof tiles met their match at the hands of the tempest.
As the clean-up begins and the full extent of the damage becomes clearer, the question that is always asked is: who is responsible for paying for the repairs? This question is particularly important where an item from one property causes damage to a neighbouring property, or something on it (e.g. a car, a window, or a roof etc).
In law, storms are classified as “Acts of God” on the basis that they are natural, unpreventable events which are beyond human control, and as a general rule a property owner will not be responsible for storm damage caused to a neighbour’s property by items originating from their land.
That said, every general rule has an exception and in the case of storm damage, liability may arise where a known defect existed in their property or something on their property before the storm and the property owner failed to take reasonable steps to prevent foreseeable damage occurring.
By way of example, a property owner is unlikely to be liable for damage caused to their neighbour’s property by a tree falling from their land if, prior to the storm, the tree was well maintained and otherwise healthy. If, however, the tree was dead, or suffering from some disease (which affected the strength of the tree), prior to the storm and the property owner was aware of that issue and did nothing about it, they are likely to be held liable for any damage arising from that tree falling during the storm.
Liability may also arise where a property owner fails to take steps to secure loose roof tiles that they are aware of, or to properly tie down trampolines, hot tub covers, or other garden furniture.
Most modern buildings insurance policies will include cover for common storm related damage (i.e. loss caused by high winds, hail and/or lightning). It is, however, important to check the terms of your specific policy before making a claim.
Where damage has occurred, you should make contact with your insurer. In the case of damage to your property contact your building’s insurance provider. In the case of damage to your car contact your motor insurer.
You should claim against your own insurance policy regardless of whether the damage was caused by the storm itself, or a risk emanating from a neighbouring property. Your insurer will then take a view as to whether it wishes to pursue your neighbour or their insurer for a contribution to the repair costs.
Here are 10 practical tips for avoiding storm damage (and therefore liability), and for making a claim under your insurance policy if your property suffers damage during a storm:
1. Inspect and maintain your roof regularly
Loose tiles, damaged flashing, and blocked gutters are common failure points in high winds and heavy rain.
2. Secure outdoor items
Garden furniture, trampolines, sheds, and bins should be tied down or stored inside before a storm hits.
3. Check trees and hedges
Remove dead branches and address diseased or unstable trees before they become a hazard, if necessary, by instructing a tree surgeon.
4. Maintain fences, gates, and outbuildings
Weak fixings and rotting panels are far more likely to fail during strong winds.
5. Clear drains, gutters and gullies
Blocked drainage channels increase the risk of internal water damage during heavy rainfall.
1. Document the damage immediately
Take clear photographs and videos before any temporary repairs are carried out.
2. Prevent further damage
Insurers expect reasonable steps to reduce additional loss, such as covering a damaged roof or boarding broken windows.
3. Notify your insurer promptly
Delays can complicate or prejudice a claim, particularly after widespread storm events.
4. Keep receipts and records
Retain invoices for emergency repairs, replacement items, and temporary accommodation if needed.
5. Check your policy wording carefully
Confirm what perils are covered, note any exclusions, and be aware of excesses and claim limits before proceeding.
If your property has suffered damage during Storm Goretti (or any storm) and you wish to discuss the remedies that might be available to you, please do not hesitate to contact a member of BCR Law’s Dispute Resolution Team.