Last year, freezing weather cost the UK economy £1bn a day due to gridlocked motorways, empty restaurants, and a reduction in construction activity. Analysts said that the “beast from the east” sweeping in from Siberia and the arrival of Storm Emma was the costliest weather event since 2010.

In the years to come, extreme weather in the UK is predicted to become more likely and more severe, with homes at risk of damage from strong winds, heavy snowfall, and potential flooding. So what should you do if your home needs essential repairs after bad weather? Here are a few ways in which you could cover the cost.

Contact your insurance company

If you have home or contents insurance, get in touch with your provider to see whether you’re covered for the repairs you need. For example, if your roof was destroyed by a storm, you might be covered for it (if not in full then at least partially).

But, with the Association of British Insurers (ABI) stating that just 79% of home insurance claims are successful, you’ll need to make sure you follow your provider’s advice and instructions to the letter to avoid being one of the 21% of people left disappointed.

Apply for a short-term loan

In the event of damage to your home, time is of the essence. If you haven’t got the cash readily available, consider applying for a £1000 personal loan or even up to £2,500 from the likes of Sunny with a repayment period of 6 months to help you spread the cost of emergency out-of-the-blue repairs.

This type of loan allows you to get those important repairs done, while spreading the cost, reducing stress and ensuring you can comfortably get back to enjoying your property again.

Borrow money from friends and family

In times of need, you’ll often find that your most valuable assets are close friends and family members. Along with providing emotional support and a couch to sleep on if your home is uninhabitable, they may also be willing to lend you some money for pressing home repairs.

Having said that, borrowing money from friends and family can be troublesome if you don’t agree on the terms in advance. Therefore, you’ll need to think carefully about who you ask, and you might want to put something down in writing to avoid any confusion.

Shop around for the best price

Once you’ve received funding for home repairs, either from a personal loan or your insurance company, make sure you shop around for the best price. In the wake of bad weather, some unscrupulous builders or construction companies might take advantage of those in need.

Even so, there’s a chance you’ll need to choose from a list of certified or approved contractors according to your insurer’s requirements.


Despite the fact there will be some repairs that only a professional can carry out, it might be possible to perform certain tasks yourself, which could save you a lot of money in the long run.

However, you’ll need to weigh up whether it will be worth the time and effort, especially if repairs end up taking twice as long as if they were done by a professional.