{"id":354946,"date":"2024-12-17T18:06:15","date_gmt":"2024-12-17T17:06:15","guid":{"rendered":"https:\/\/climatescience.press\/?p=354946"},"modified":"2024-12-17T18:06:18","modified_gmt":"2024-12-17T17:06:18","slug":"do-insurers-know-what-a-storm-is","status":"publish","type":"post","link":"https:\/\/climatescience.press\/?p=354946","title":{"rendered":"Do Insurers Know What a Storm\u00a0Is?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"407\" data-attachment-id=\"354950\" data-permalink=\"https:\/\/climatescience.press\/?attachment_id=354950\" data-orig-file=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?fit=1200%2C675&amp;ssl=1\" data-orig-size=\"1200,675\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"0,storm-1733638970\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?fit=723%2C407&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?resize=723%2C407&#038;ssl=1\" alt=\"\" class=\"wp-image-354950\" srcset=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?resize=1024%2C576&amp;ssl=1 1024w, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?resize=300%2C169&amp;ssl=1 300w, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?resize=768%2C432&amp;ssl=1 768w, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?w=1200&amp;ssl=1 1200w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">From <a href=\"https:\/\/notalotofpeopleknowthat.wordpress.com\/2024\/12\/16\/do-insurers-know-what-a-storm-is\/\">NOT A LOT OF PEOPLE KNOW THAT<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">By Paul Homewood<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Further to the BBC article on Storm Darragh, just posted, it is worth pointing out that ABI, the Association of British Insurers, also talk of 55 mph gusts:<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Storms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Windstorm is the most damaging of the natural perils covered by property insurers. During major windstorm events the damage can be substantial \u2013 considerable losses occur every year in the UK.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A storm is a period of violent weather defined as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wind speeds with gusts of at least 48 knots (55mph)* or;\u00a0<\/li>\n\n\n\n<li>Torrential rainfall at a rate of at least 25mm per hour or;\u00a0<\/li>\n\n\n\n<li>Snow to a depth of at least one foot (30 cm) in 24 hours or;\u00a0<\/li>\n\n\n\n<li>Hail of such intensity that it causes damage to hard surfaces or breaks glass\u00a0<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">*Equivalent to Storm Force 10 on the Beaufort Scale.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.abi.org.uk\/products-and-issues\/topics-and-issues\/flooding\/storms\">https:\/\/www.abi.org.uk\/products-and-issues\/topics-and-issues\/flooding\/storms<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Now, they may well intend those gusts of 55 mph is their definition of a storm. But if so, they are quite wrong in saying it is equivalent to Storm Force 10.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The Royal Meteorological Society are absolutely clear that the Beaufort Scale is measured from mean wind speeds, not gusts:<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"723\" height=\"269\" data-attachment-id=\"354948\" data-permalink=\"https:\/\/climatescience.press\/?attachment_id=354948\" data-orig-file=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?fit=1024%2C381&amp;ssl=1\" data-orig-size=\"1024,381\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"image\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?fit=723%2C269&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?resize=723%2C269&#038;ssl=1\" alt=\"\" class=\"wp-image-354948\" srcset=\"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?w=1024&amp;ssl=1 1024w, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?resize=300%2C112&amp;ssl=1 300w, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/image-291.png?resize=768%2C286&amp;ssl=1 768w\" sizes=\"auto, (max-width: 723px) 100vw, 723px\" \/><figcaption class=\"wp-element-caption\"><a href=\"https:\/\/www.rmets.org\/metmatters\/beaufort-wind-scale\">https:\/\/www.rmets.org\/metmatters\/beaufort-wind-scale<\/a><\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">I have asked the ABI to clarify. It is after all a matter of serious import to insurance companies and customers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Storms<br \/>\nWindstorm is the most damaging of the natural perils covered by property insurers. During major windstorm events the damage can be substantial \u2013 considerable losses occur every year in the UK.<\/p>\n","protected":false},"author":121246920,"featured_media":354950,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_crdt_document":"","advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[1],"tags":[691832028,691832027,691821137,691832025],"class_list":{"0":"post-354946","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-uncategorized","8":"tag-55-mph","9":"tag-association-of-british-insurers-abi","10":"tag-royal-meteorological-society","11":"tag-storm-darragh","13":"fallback-thumbnail"},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/0storm-1733638970.jpg?fit=1200%2C675&ssl=1","jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paxLW1-1ukW","jetpack-related-posts":[{"id":354886,"url":"https:\/\/climatescience.press\/?p=354886","url_meta":{"origin":354946,"position":0},"title":"Darragh Stronger Because Of Global Warming\u2013BBC","author":"uwe.roland.gross","date":"17\/12\/2024","format":false,"excerpt":"There\u2019s another pseudo-science Weather Attribution organisation to add to the list, called ClimaMeter, which the BBC has been bigging up lately.","rel":"","context":"In \"BBC\u2019s Science Correspondent\"","block_context":{"text":"BBC\u2019s Science Correspondent","link":"https:\/\/climatescience.press\/?tag=bbcs-science-correspondent"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/012721529-facepalm-meme-symbol-kostenlos-vektor.jpg?fit=1200%2C730&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/012721529-facepalm-meme-symbol-kostenlos-vektor.jpg?fit=1200%2C730&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/012721529-facepalm-meme-symbol-kostenlos-vektor.jpg?fit=1200%2C730&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/012721529-facepalm-meme-symbol-kostenlos-vektor.jpg?fit=1200%2C730&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2024\/12\/012721529-facepalm-meme-symbol-kostenlos-vektor.jpg?fit=1200%2C730&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":243283,"url":"https:\/\/climatescience.press\/?p=243283","url_meta":{"origin":354946,"position":1},"title":"Why have there been no named winter storms this year? \u2013 BBC\u00a0","author":"uwe.roland.gross","date":"05\/02\/2023","format":false,"excerpt":"Bring on the loaded questions, such as \u2018How does climate change affect windstorms?\u2019 The BBC casts around for suspects, like La Ni\u00f1a and meandering polar jet streams, but it\u2019s all inconclusive. Are the \u2018extreme weather\u2019 climate obsessives feeling deprived?","rel":"","context":"Similar post","block_context":{"text":"Similar post","link":""},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/02\/image-175.png?fit=1200%2C792&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/02\/image-175.png?fit=1200%2C792&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/02\/image-175.png?fit=1200%2C792&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/02\/image-175.png?fit=1200%2C792&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/02\/image-175.png?fit=1200%2C792&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":287389,"url":"https:\/\/climatescience.press\/?p=287389","url_meta":{"origin":354946,"position":2},"title":"The Burns Day Storm of\u00a01990","author":"uwe.roland.gross","date":"10\/11\/2023","format":false,"excerpt":"The Burns' Day Storm (also known as Cyclone Daria) was\u00a0an extremely violent windstorm\u00a0that took place on 25\u201326 January 1990 over North-Western Europe. 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3x"},"classes":[]},{"id":254726,"url":"https:\/\/climatescience.press\/?p=254726","url_meta":{"origin":354946,"position":3},"title":"1903 Ulysses Storm among windiest ever in British Isles","author":"uwe.roland.gross","date":"26\/04\/2023","format":false,"excerpt":"A mighty storm that tore across Ireland and the UK more than a century ago produced some of the strongest winds the British Isles have ever witnessed..","rel":"","context":"In \"Cyclones\"","block_context":{"text":"Cyclones","link":"https:\/\/climatescience.press\/?tag=cyclones"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/04\/0_EFzbLLqW4AABqRmjpeg.jpg?fit=810%2C539&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/04\/0_EFzbLLqW4AABqRmjpeg.jpg?fit=810%2C539&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/04\/0_EFzbLLqW4AABqRmjpeg.jpg?fit=810%2C539&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/climatescience.press\/wp-content\/uploads\/2023\/04\/0_EFzbLLqW4AABqRmjpeg.jpg?fit=810%2C539&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":420833,"url":"https:\/\/climatescience.press\/?p=420833","url_meta":{"origin":354946,"position":4},"title":"Storm Goretti","author":"uwe.roland.gross","date":"10\/01\/2026","format":false,"excerpt":"Storm Goretti is the first named storm of 2026 in Europe, officially named by M\u00e9t\u00e9o- France (the French meteorological service).","rel":"","context":"In 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2x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/posts\/354946","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/users\/121246920"}],"replies":[{"embeddable":true,"href":"https:\/\/climatescience.press\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=354946"}],"version-history":[{"count":4,"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/posts\/354946\/revisions"}],"predecessor-version":[{"id":354952,"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/posts\/354946\/revisions\/354952"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/climatescience.press\/index.php?rest_route=\/wp\/v2\/media\/354950"}],"wp:attachment":[{"href":"https:\/\/climatescience.press\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=354946"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/climatescience.press\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=354946"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/climatescience.press\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=354946"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}