Insurance claims data from 2024 and into 2025 continues to highlight recurring risk areas for blocks of flats across the UK. These trends are particularly relevant for property owners, freeholders and managing agents responsible for maintaining multi-occupancy buildings.

One of the most common causes of insurance claims in blocks of flats remains escape of water. Leaks from pipework, faulty appliances or ageing plumbing can quickly affect multiple flats, leading to costly repairs. In many buildings with complex layouts or ageing infrastructure, water damage continues to be a leading cause of claims.

Storm and weather-related damage has also featured prominently in recent claims trends. Strong winds, heavy rainfall and storms can cause damage to roofs, external walls and communal areas, particularly in taller or exposed buildings. Insurers continue to monitor weather-related losses as extreme weather events become more frequent.

Fire and smoke damage remains a serious concern for multi-occupancy buildings. While less frequent than water or storm claims, fire incidents often result in significant repair costs and may require temporary rehousing for residents. Ongoing focus on fire safety measures continues to influence how insurers assess risk in blocks of flats.

Another emerging area of concern is subsidence and structural movement, particularly following periods of extreme weather. Changes in ground conditions and soil moisture levels can contribute to foundation movement, particularly in older buildings.

Understanding these claims trends allows freeholders, managing agents and property owners to take proactive steps to reduce risk. Regular maintenance, up-to-date risk assessments and appropriate blocks of flats insurance can help manage exposure and support more favourable insurance terms.

Sources:
News on the Block: Top causes of insurance claims for blocks of flats
The Guardian: UK weather-related insurance claims reach record £573m
Financial Times: Fire risk rises up the agenda for owners and tenants
MoneyWeek: Thousands of homeowners claim £17k for subsidence amid heatwaves – how to spot the signs