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