Storm hit your home?
Storm Damage & Home Insurance: What's Actually Covered?
Storm cover hinges on wind-speed thresholds and 'gradual deterioration' wording. PolicyPal checks your exact policy in 60 seconds.
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Insurers' definition of a storm
Most insurance policies define a storm as wind gusts of 55+ mph, or unusually heavy rain/snow/hail. Below that threshold, claims are typically declined as 'weather damage' rather than storm.
Commonly excluded
Even with a named storm, these items are usually not covered as standard:
- Garden fences, gates, and hedges.
- Boundary walls below a certain height.
- Pre-existing damage made worse by the storm.
- Damage to satellite dishes and aerials over X years old.
What to document immediately
Photos before clearing up, Met Office record of wind speed at your postcode, and a written estimate from one approved contractor. Insurers settle faster when all three arrive together.
Frequently asked
- Is a fence covered after Storm Eunice or similar?
- Usually no, unless you have a specific 'garden cover' add-on. Most standard buildings policies exclude fences and gates from storm damage.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.