Storm Goretti is forecast to affect parts of the UK on Thursday 8th and Friday 9th January 2026, compounding the prolonged sub-zero temperatures that have already impacted the country since the start of the year. With heavy snow, rainfall and icy conditions expected before the end of the week, there is an increased risk of property damage, business disruption and travel difficulties.
The UK is not traditionally well equipped to deal with sustained winter extremes, which makes early preparation especially important for both businesses and individuals.
Steps to protect your home or business
Taking preventative action now can significantly reduce the risk of damage:
- Insulate and protect pipework – frozen and burst pipes are one of the most common causes of winter insurance claims.
- Maintain heating systems and ensure thermostats are set to prevent freezing, even in unoccupied buildings.
- Clear snow and ice safely from access routes, car parks and entrances to reduce slip and trip risks for staff, customers and visitors.
- Check roofs and gutters for snow build-up and ice dams, which can lead to water ingress when thawing occurs.
- Safeguard vehicles, stock and equipment, particularly those exposed to freezing temperatures or snow accumulation.
- Review business continuity plans, including staff travel arrangements and potential delays to suppliers or customers.
Simple, proactive steps can help avoid disruption and costly damage during periods of extreme cold.
What to do if you need to make an insurance claim
If your property or business is affected by Storm Goretti or related winter conditions:
- Put safety first – do not enter unsafe areas or attempt repairs that could cause injury.
- Record the damage with photographs or videos as soon as it is safe to do so.
- Take reasonable steps to prevent further loss, such as temporary repairs or isolating water supplies, keeping receipts where possible.
- Notify your insurance broker promptly – our experienced claims team will support you and liaise with insurers on your behalf.
Early notification and clear evidence can help ensure a smoother and faster claims process.
Supporting you through severe weather
Extended cold weather and snow can place real strain on homes, businesses and infrastructure. At Clear Insurance Management, we are committed to helping our clients understand their risks, protect their assets and access expert support when it matters most.
If you have any concerns about your cover or would like advice on managing winter weather risks, please contact your usual Clear Insurance Management adviser.
Stay safe and take care during the severe conditions ahead.
