Storm Isha continues to batter much of the UK, bringing high winds for many of us, and causing damage to many properties across the country.
Amber and red warnings were in force at the height of the storm and a yellow alert warning of gusts of up to 80mph is in force until midday on Monday.
But if your home is damaged during the storm, are you protected?
Does home insurance cover wind damage?
Buildings and contents insurance policies often cover against storm damage.
Following a storm, your policy should cover any significant damage that your house suffers as a result of high winds from the storm.
However, policies often exclude anything outdoors, such as garden furniture, garden sheds, fences, gates or hedges, so specific cover would need to be found for them.
Matthew Harwood, Home & Lifestyle insurance expert at Confused.com, said: "Having home insurance in place helps protect your building and contents from potential storm damage, particularly if you live in an area at high risk of flooding.
"It's also important to buy home insurance if your home has features like a thatched roof, timber frames or is made of wattle and daub. These kinds of homes are typically made from old-fashioned construction methods, which makes them more likely to suffer storm damage.
"It's also worth checking how much home insurance cover you need to avoid missing key features that help cover your home from storm damage."
Does home insurance cover fences?
With high winds still prevalent across much of the UK, many garden fences will be looking a little worse for wear, and may even have blown away.
However, fences aren’t normally covered for storm damage under standard home insurance policies, but it would still be worth checking your specific insurance policy to make sure.
As wear and tear is rarely covered by most insurers, any fences that were already old and unstable prior to a storm will likely not be covered by your police.
You may end up having to prove to your insurer that your fence was well-maintained prior to the high winds which caused the damage.
Why are you making commenting on The National only available to subscribers?
We know there are thousands of National readers who want to debate, argue and go back and forth in the comments section of our stories. We’ve got the most informed readers in Scotland, asking each other the big questions about the future of our country.
Unfortunately, though, these important debates are being spoiled by a vocal minority of trolls who aren’t really interested in the issues, try to derail the conversations, register under fake names, and post vile abuse.
So that’s why we’ve decided to make the ability to comment only available to our paying subscribers. That way, all the trolls who post abuse on our website will have to pay if they want to join the debate – and risk a permanent ban from the account that they subscribe with.
The conversation will go back to what it should be about – people who care passionately about the issues, but disagree constructively on what we should do about them. Let’s get that debate started!
Callum Baird, Editor of The National
Comments: Our rules
We want our comments to be a lively and valuable part of our community - a place where readers can debate and engage with the most important local issues. The ability to comment on our stories is a privilege, not a right, however, and that privilege may be withdrawn if it is abused or misused.
Please report any comments that break our rules.
Read the rules hereLast Updated:
Report this comment Cancel