Home insurances usually include storm damage as a standard peril, on the basis that the policyholder can pinpoint the date when the damage occurred, so the insurer can check with the Met Office whether there was storm conditions at the time. The reason for this is that only damage and loss resulting from storm is insured. A home shouldn’t be damaged by general wet weather unless there is a need for maintenance, which is part and parcel of home ownership, not insured damage. Claims for storm damage are declined by insurers when it becomes clear that there was no storm conditions (high wind speeds and driving rain) in the locality at the time of the damage. No other insured peril requires such scrutiny as storm, to divide valid storm damage claims from wear and tear and home maintenance.