Storm damage, burst pipes and damage from break-ins are the top reasons why landlords make insurance claims – with conservatories looking especially vulnerable.

Analysis of over 100,000 policies showed that storm damage costs an average of £1,500 to repair.

Next was damage to ceilings, walls and carpets caused by burst pipe with an average £4,500 repair bill. The third most common reason for making a claim was property damage caused by burglars with an average claim of £2,300.

Vandalism was in fourth place, followed by accidental damage to the building, excessive rain, collapsed drains and vehicles crashing into the property (average claim £4,600).

The single most expensive cause for claims relate to damage caused by electrical fire, averaging £25,000 to put right.

The figures are from Simple Landlords Insurance, which says that one claim by a landlord  last year was to replace a conservatory roof where every single pane was punctured by hailstones last July.

In another claim last year, a landlord claimed over £11,000 to repair a conservatory after two panels were ripped off in high winds, ruining solid oak floors.

Top 10 reasons that landlords make an insurance claim

The report makes interesting reading, warning that many landlords do not include accidental damage in their cover.