A shifting season across Europe
In early October 2025, Storm Amy brought heavy rain and strong winds to the UK, Ireland, Scandinavia and the Netherlands, causing local flooding, transport disruption and property damage. Only weeks earlier, Ibiza and Formentera experienced severe downpours that left streets flooded, and infrastructure temporarily paralysed.
These events underline a growing operational reality: seasonal volatility is increasing across regions, driving not just higher volumes of claims but also more complex surge dynamics. For insurers and their partners, this means the need for scalable workflows, cross-border coordination, and consistent loss adjusting standards.
The impact on claims
Severe weather drives a diverse claims mix — water ingress, roof and façade damage, business interruption (BI) and contingent BI, as well as marine and motor losses. Effective response depends on fast first notification of loss (FNOL), accurate triage, and timely reserving to reduce indemnity leakage.
From expertise to action
With decades of experience across property, marine and motor, Woodgate & Clark, part of the Van Ameyde Group, combines technical loss adjusting with end-to-end claims orchestration through its ECHO platform. ECHO connects carriers, TPAs, experts and contractors in real time, enabling SLA-driven triage, automated documentation and audit-ready data trails.
Beyond day-one response, event analytics feed underwriting and risk engineering, supporting more accurate reserving and future readiness. By closing the loop between data and decision-making, we strengthen resilience before the next surge — not just recovery after the last one.
Preparing for future seasons
As the storm and rainy season continues, preparedness has become a discipline in itself — from surge management and capacity planning to clear communication with the human touch. By combining technical accuracy with empathy at every stage, the insurance community can continue to support policyholders — calmly, consistently and confidently.
