Policy note
Storm damage in a listed building
Storm damage is read against what the wind actually did that day, and the conditions set out the kind of damage a storm is expected to cause.
What follows is the ordinary position at Noorderdijk. The policy schedule and the conditions document together are what a claim is assessed against, and where this note and those documents differ, those documents are the ones that count.
In a listed building a repair has to match what was there, which takes longer and costs more than a like for like fix. The schedule says whether that difference is included.
02
What the policy covers here
- Damage to the roof, the gutters and the chimney caused by wind.
- Damage caused by a tree or a branch coming down on the building.
- Rain that entered through an opening the storm itself made.
- Temporary work to keep the building watertight until a proper repair.
03
What it does not cover here
- Tiles that were already loose before the wind found them.
- Fences, aerials and garden furniture, which have sections of their own.
- Rain that entered through an opening that was already there.
- Wind below the strength the conditions name.
The weather record for the day is public, so the strength of the wind is rarely the part anybody argues about. What was already loose usually is.