How to Get Ready for Autumn Storms in North Cyprus (2025 Update)
Published: 23 September 2025
Author: Can Sigorta – “YES WE CAN”
Why this matters
Autumn in North Cyprus can bring sudden storms, roof leaks, flying debris, and flash floods. A tiny prep today can save a huge claim tomorrow. Here’s a quick, practical checklist plus what your policy typically covers—and what it doesn’t.
Quick Checklist (Home & Apartment)
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Gutters & drains: Clear leaves/sand; check downpipes flow away from the foundation.
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Roof & tiles: Replace cracked tiles, re-seal flashing, check skylights.
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Windows & doors: Inspect seals; add draft strips; test shutters.
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Balcony & yard: Secure furniture, pots, signs, umbrellas.
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Electrics: Surge protectors for TVs/routers; unplug during severe lightning.
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Docs & photos: Keep digital photos of rooms, roof, and valuables (date-stamped).
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Emergency kit: Torches, power bank, first-aid, spare batteries, bottled water.
Quick Checklist (Car)
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Tyres & wipers: Good tread + new wipers = safer braking & visibility.
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Parking: Avoid under trees/signage; don’t drive into water you can’t gauge.
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Dashcam: Keep it powered—helpful for claims evidence.
Quick Checklist (Business & Offices)
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Signage & awnings: Tighten brackets; retract when wind alerts hit.
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Server/IT: UPS/surge protection; back up offsite (cloud + external drive).
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Inventory: Lift boxes off floor; store high-value items on upper racks.
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Contractors: Pre-agree an emergency roofer/glazier so you’re not waiting in a queue.
What’s Usually Covered (Typical Policies)
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Windstorm damage to building (roof, doors, windows) as per your sums insured.
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Water damage from storm entry (not gradual seepage).
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Contents/inventory affected by insured perils (limits & excess apply).
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Business interruption if you hold that extension (check indemnity period).
Common Exclusions/Limitations (Read This!)
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Gradual wear & tear / lack of maintenance (e.g., old leaks).
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Surface water/flood may need an extension depending on your policy.
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Open windows/doors left unsecured.
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Underinsurance: If your building/stock is undervalued, average may reduce payouts.
3 Pro Tips to Avoid Claim Delays
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Time-stamped photos before and after.
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Keep invoices for urgent repairs (temporary boarding, pumps, tarpaulins).
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Report promptly with your policy number and a short incident description.
Need Advice or a Quick Policy Check?
Ping us for a 5-minute storm-readiness review of your sums insured, deductibles, and extensions. YES WE CAN.
FAQ
Q: Does home insurance in North Cyprus cover storm damage?
A: Generally yes for sudden, violent wind/rain events—subject to policy terms, deductibles, and maintenance standards.
Q: Is flood damage the same as storm damage?
A: Not always. Flood/surface water may require a specific extension depending on your policy wording.
Q: How do I prove my loss after a storm?
A: Take time-stamped photos/videos, keep repair receipts, list damaged items with approximate values, and notify us promptly.