Storm and Tempest


What is it?

A storm is defined as a violent atmospheric disturbance that produces severe winds, accompanied by rain, snow or hail or by thunder and lightning.

A tempest is an exceptionally severe storm (such as the British hurricane of October 1987).


What does it cover?

Storm and Tempest cover allows you to claim for damages that occur as a result of a severe weather event. This may include damage to the building structure or to items within the building damaged by the storm (for example office equipment affected by a leak from, or collapse of, an otherwise sound flat roof).


The policy excludes damage caused by a fire because any fire that broke out as a direct result of a storm would be covered under a fire policy.


A Storm and Tempest policy does not cover the consequential losses incurred as a result of any interruption caused to your business. Only by taking out business interruption cover can you safeguard against these potentially enormous losses.


What having Storm and Tempest cover means to you

Should your property be affected by a storm or tempest you will be protected against the potentially very costly repairs that would result.