Storm in a teacup?

If like me, you spent most of the weekend indoors and didn’t go far other than essential shopping or visiting elderly relatives, you may have sat wondering whether all the wind and rain we had, was going to lift your roof tiles or do other serious damage. Let’s face it #becausseaccidentshappen to nice people all the time.

Then this morning, a client messaged me to enquire whether or not she had STORM damage cover on her business. The Answer YES!

STORM damage cover is a standard peril on almost all policies covering buildings and is defined generally as being “Unusually high winds, accompanied by rain, hail, sleet or snow!”

There are some standard exclusions which relate to flimsy or insubstantial items in the open, for obvious reasons. They normally include:

  • Gates
  • Hedges
  • Fences
  • Polytunnels
  • Glasshouses
  • Plants in the open

There may be other more specific exclusions on some commercial policies, to take care of specific situations, but these are the normal ones.

The most important thing to know is that if there is serious damage to your property, as long as its in good condition and has been maintained in good order, cover for storm, should not be an issue.

Let’s hope the weather improves this week and we can all look forward to a summer to remember

If you have a question and want to know more, just message her or email

Best wishes, stay safe and warm



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