One aspect of my complaint is that I see the policy as the contract between me and the insurance company, but nowhere does it say any thing about or state a minimum wind speed. By making the their definition of a storm vague and ill defined in the policy, it gives them more opportunity to refuse. This policy was arranged through The AA, so BUYERS BEWARE.

On May 23rd 2011 the side wall of my garden which faces on to a road was blown down by a wind gust. Initially they said that they take the wind speed at Farnborough, which is approximately 15 miles from where I live in Bracknell was only measured at 41mph and therefore the wind could not have blown the wall down. Initially they said that it has to be greater than 45mph and subsequently changed this to 47mph. I explained that this did not take account of wind gusts and was also measured some 15 miles away, to which they said can I prove the wind gust. They then told me to get a builder to take a look at the wall and give a cause of damage report, which I did. He stated that the wall was well constructed and that there was no other reason why the wall should have come down. He also said that he had seen other damage from the wind in the area. I also told them that I had obtained from a website a record of the wind speed in Farnborough at 46mph. They still say that the wind was not strong enough to blow down a wall. I also pointed out that the weather forecast for the day gave warnings of severe storm and wind conditions. I also told them that nowhere in the policy does it state that the wind has to be at a particular speed for them to pay out. They said it is not policy and no one includes it. I thought the policy was a contract!