rue après une tempête
Last update 07/08/2026Reading time : 3min

Has your home been hit by a storm? Here’s a step-by-step guide of what to do

A damaged roof, a ruined garden or a power cut... large storms rarely leave homes unscathed. We’ve put together a step-by-step guide of what you should do for your safety and your compensation once the wind has died down. Here’s what you need to know.

Author: AXA LuxembourgCreation date : 05/11/2024

What you need to remember at a glance

Do you still have electricity?Disconnect the power supply before approaching damaged areas
Can you smell gas?Do not use your phone (landline or mobile) in the area to avoid any risk of explosion
Don’t forgetPhotos and a detailed list of the damage, before touching or restoring anything
Got an emergency (roof, safety, recovery)?Contact AXA Assistance on +352 45 30 55
How to make a claimContact your agent or send a “bad weather” claim to meteo@axa.lu

Step 1: Assess the situation after the storm has passed
 

  1. If the electricity is still working, turn off the power before approaching damaged areas or rooms.
  2. If you smell gas, do not use your phone (landline or mobile) in the area; doing so may cause an explosion.
  3. Check the situation and whether any instructions are in place: your local council or the State may have imposed measures that must be observed.
  4. Do not approach damaged power or telephone lines.
  5. Before touching anything, take as many photos as you can and draw up a list of the damage suffered.
  6. Only turn the power back on after checking the electrical and gas systems. Once the systems have been inspected, put the heating on to combat damp.
  7. Before drinking tap water, check with your local council to find out if it is safe to drink.
     

Step 2: Who should you contact?
 

  • In the event of an emergency (damaged roof, unsafe accommodation, vehicle recovery, etc.), first contact AXA Assistance on +352 45 30 55.
  • To make your claim, contact your agent or send a “bad weather” claim to meteo@axa.lu.
  • Contact your local council to find out what measures have been put in place for those affected.
  • Call in an electrician to check your circuits before turning the power back on.
  • Contact a roofer (if your roof has been damaged) to have it covered over while waiting for repairs.
     

Step 3: Am I properly insured against storms?
 

If you are an AXA customer, please refer to your policy or contact your advisor to check the extent of your cover against storm damage.
 

You are automatically covered in the event of a storm with OptiHome home insurance. If your home is no longer habitable, AXA will bear the costs for alternative accommodation. 
 

If you have OptiDrive car insurance on an Active + Mini Casco or Privilège plan, AXA will lend you a replacement vehicle for the duration of the repairs. 
 

This information is provided for information purposes only. Always check the general terms and conditions of your policy.

Frequently asked questions

  • Take photos and draw up a list of the damage first. These elements will make processing your claim and compensation easier.

  • No. First, contact AXA Assistance on +352 45 30 55 to make a claim, and then make every effort to avoid the damage getting worse.

  • You can only turn the power back on once an electrician has checked your system. The same applies to your gas system, too.

Contact AXA Assistance