What ever you do make sure you read the small print when taking out home insurance.One night when one of the major storms was on I can home to find that a 50 kilo garden table had been blown 20 feet into my glass bifold doors, smashing one of the panes.Even though in 30 years I have never claimed on house insurance on this occasion I thought I would do so.I put a claim in that was rejected. I couldn’t understand why?? Apparently it’s because the wind speed in my postcode was only 40 mph? And in their small print it quotes it has to be 55mph.How they know what the gust speeds were in my garden amazes me. Anyone with the slightest intelligence knows it is the sudden gusts of wind that cause the damage.I live inland where gusts of 55mph are very rare unless you live on the coast.This is just a loophole insurance cheat that they use again people that don’t read every tiny bit of small print.So please read the small print when it comes to storm damage because it’s a pretty useless thing to have.I will be taking this to the financial ombudsman.Also their underwriter Integra insurance have very poor reviews and are probably just a low budget company that Hastings use.