Storm Johannes Damage Covered by Home Insurance, But Removal Costs and Smaller Structures Excluded

Storm Johannes recently struck northern and central Sweden, causing significant damage to thousands of households through downed trees and power lines, leading to prolonged power outages. As Storm Anna approaches with heavy snow expected, especially in southern Norrland, some already affected homes face further isolation. According to insurance expert and jurist Peter Stark from Konsumenternas Försäkringsbyrå, most damages caused by the storm are covered by home insurance, including villa and holiday home policies. Insurance will generally compensate for damage if a tree or flagpole falls on a dwelling, regardless of the wind speed at the time. However, costs related to removing fallen trees or objects are not covered by insurance and remain the homeowner's responsibility. Smaller outbuildings, such as greenhouses or sheds, often are not covered unless the homeowner holds an all-risk insurance policy. Home insurance also covers damage caused by extended power outages, such as frozen pipes and spoiled food, although there is a risk of damage to electronics from power surges when electricity is restored. Importantly, insurance companies cannot invoke force majeure to deny payment for storm damages. However, if homeowners are found to have been negligent — for instance, by failing to secure loose objects or retract awnings before the storm — insurance compensation may be reduced. This advice serves as a crucial reminder ahead of the approaching storm Anna for residents to take preventive measures seriously.