What does buildings insurance cover in the event of strong winds?

Even with modern building methods, homes can still be at mercy to the elements

, and strong winds in particular can cause considerable damage - both structurally and financially - if your home is not sufficiently insured.

Living in Britain, the weather can always be pretty unpredictable. In fact, in the last couple of years we've seen everything from floods, lightning, heavy snow, mini-tornadoes and yes, plenty of wind. In fact, in one instance earlier this year a family in Scotland had to flee their home after high winds were responsible for blowing off part of the roof off their flat. Whilst it's important to point out that this is certainly not an everyday occurrence and a bit of a one-off, it's important to consider that the UK's strong winds are capable of such devastation, especially so when considering buildings insurance.

Many people take out contents insurance to protect their precious valuables against damage, loss and theft, but neglect one of their costliest investments - the building itself. When getting a buildings insurance quote, it's important to check precisely what this covers, as some standard policies, whilst insuring you against eventualities such as fire, theft and vandalism and water and oil leaks, may not include cover against wind damage and other natural occurrences.

Even if wind damage is included, you should check whether your policy extends to your garden too, covering storm damage to your fence panels and gates. You can even find insurance policies that cover your plants in the event that they are disturbed or damaged by heavy winds, making sure all your investments are equally well protected, both inside and outside your property.

Wind is not the only form of extreme weather that can have a devastating effect on properties, of course, and it's just as important to check that your buildings insurance covers damage from flooding - both as a result of overflowing rivers invading your home and from burst pipes causing damage from within.

It's important to take all of these factors into consideration when getting a buildings insurance quote. Whilst it could undoubtedly be tempting to leave yourself uncovered against eventualities that you feel are very unlikely to occur, perhaps the small amount of money saved by doing so wouldn't feel quite so worth it if your building was severely damaged. Consider making sure that your house is as well protected against the elements as possible, both by getting the right buildings insurance and also calling in workmen to fix up any loose fence panels or loose bricks that could cause considerable damage if disturbed by heavy winds.

What does buildings insurance cover in the event of strong winds?

By: Paul Buchanan

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