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As winter approaches people may be wise to follow the advice that homeowners should make their houses storm-proof to prevent expensive damage further down the line, although such improvements could be covered by a loan.

"With the weather seemingly breaking new records each year, we would urge every homeowner in the UK to take steps to prevent storm damage right now," warns Mike Pickard, head of risk and underwriting for esure home insurance.

Falling trees, dislodged roof tiles and falling masonry can all be consequences of a storm, the group says, which adds that there are a number of ways people can protect their home, a move which secured loans could pay for.

Guttering should be cleared and checked for any damage and loose or rotten tree branches should be looked at by a professional, as a person may be liable if a branch damages a neighbour's property, the insurance firm continues.

The Environment Agency claims that five million people in the UK are at risk from flooding, while the cost of damage can be millions.

People worried about the financial consequences of flooding could pay for comprehensive home improvements with secured loans, which could see the money needed received within days.