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Definitions of storm damage can be crucial when it comes to house insurance claims. Insurers may dispute whether a storm occurred at all, whether damage to a property was caused by a storm, or whether a storm was the primary cause of damage to a building.

A storm can be difficult to define, but very high winds and accompanying rain, snow or hail are all likely to feature.

Most homeowners insurance policies cover storms including hail, tornado and wind damage. But, floods and earthquakes usually require additional coverage. It is always smart to check your policy to see exactly what is covered.

Here's a good article from the Guardian: Storm damage? Will your insurance pay ...and for what

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