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Winter has started to settle in across WA, and the stormy conditions over the weekend were a timely reminder of how quickly conditions can change at this time of year. Even when the Perth metropolitan area feels relatively calm between systems, winter fronts can bring bursts of heavy rain and strong winds- leading to big impact with little notice.
That said, there’s still time to prepare. Historically, around 50% of storm, flooding and water damage claims occur between June and August, making early winter an important window to reduce risk.
Road-related claims also increase during the colder months, with wet conditions and deteriorating surfaces contributing to more incidents. From 2021 to 2025, LGIS received 470 road surface and pothole claims, with 83% of those lodged during winter.
Tree-related claims continue to be a significant driver of losses. Across the last five years, winter accounts for 24% of tree branch, tree failure and root claims, and tree branch/debris claims spike in winter, representing 18% of claims within that category.
Storms and water damage: why preparation matters
Storms can be unpredictable and vary in intensity across WA. Damaging winds, heavy rain, lightning, hail and flash flooding can cause substantial damage to property, vehicles and the surrounding environment.
Over the past five years, more than $2.5 M has been paid in storm, flood and water damage claims, representing 13% of total paid claims across property, liability and motor fleet.
Practical steps to reduce common winter claims
To help minimise the most frequent winter losses, LGIS members are encouraged to take the following preventative actions:
Ensure street drainage systems are maintained and cleared of debris