What is covered in storm insurance?

Storm insurance is not widely used in the UK but in certain areas where storms are more prevalent, damage to property can be severe.

Storms here in the UK are defined by the below so this is when your storm insurance would come into play:

• Strong winds of over 55mph
• Damage by extreme rain or snow. If more than an inch falls within a single hour rainfall is normally considered to be extreme.
• With regard to snow – it is considered to be extreme if 12 inches or more fall with a 24 hour period.
• Swimming pools and hot tubs, gates and fences are normally excluded in your storm insurance coverage.
• If there is evidence of poor maintenance and signs of wear & tear internally, damage may not be covered.