ADH 15.04a 32 Storm Damage claims The definition of what we mean by storm can be found in the ‘Definitions’ section. Whe n we assess your claim, we will not rely solely on the definition of storm as this is just one factor we consider when you have this kind of damage to your home. Other factors we consider are as follows: • Does the evidence show that storm conditions occurred on or around the date the damage is said to have happened. • Is the damage claimed for consistent with t he damage caused by storm damage. • Were storm conditions the main cause of the damage or were other factors involved. For example, we look if the damage would have occurred without the storm . This insurance policy is not designed to cover you for any gradual deterioration, wear and tear or loss or damage resulting from poor maintenance. Please see the general exclusions and conditions section of this policy for more information. We will always talk to you about what damage you have as well as look at the we ather conditions in the area. Where we obtain local weather reports, we will take into account the distance of any weather stations from your home before making a decision. In order to help assess your claim, we will also send a claims expert to your home to inspect the damage if necessary. Matching sets, suites and carpets We treat any individual items of a matching set or suite of furniture, sanitary ware or other bathroom fittings as a single item. We will pay you for individual damaged items but not for undamaged companion pieces unless they are part of a bathroom suite or fitted kitchen and the damaged parts cannot be repaired or a replacement found. For any other sets or suites not part of a bathroom suite or fi tted kitchen, we will pay up to 50% of the undamaged part if the damaged parts cannot be matched or replaced. If a floor covering is damaged beyond repair we will only pay to have the damaged floor covering replaced. We will not pay for undamaged floor cov ering in adjoining rooms.