Storm damage is generally structural damage caused by gale force winds which can result in flooding and rain water accessing the property. Unfortunately, damage can occur as a result of wear and tear (particularly to felt roof coverings) and this is not ‘storm damage’ and is thus excluded from the cover provided by the policy. Similarly, damage to gates and fences is excluded. Sometimes water can overflow from roof valleys or blocked outlets in parapet walls, and the resulting damage can be covered under the escape or overflow of water peril. Storm damage can lead to water damage causing collapsed ceilings, damaged floors and decoration, and can be expensive to repair.