Climate change and your claim

Not automatically. Most policies apply a threshold, often wind force 7 or more, measured by the KNMI at the nearest measuring station. If the wind force measured is below that, there is formally no storm and a refusal follows. With storm damage there is also normally a separate excess that is higher than the ordinary excess.

Because it is a risk that can occur over a large area at once, so that the loss can no longer be spread. The failure or overflowing of a primary flood defence therefore falls outside the ordinary buildings and contents cover. For damage from local water and the failure of some secondary defences, conditions do sometimes give cover; read that passage carefully.

Often yes, provided the panels are insured. With panels on the roof of your own home they usually fall under the buildings insurance, but not every insurer does that automatically and a separate limit or excess can apply. So always report new panels; installations that are not reported lead to argument about cover and the sum insured.

Weather damage is one of the factors insurers build into their rates, alongside higher repair costs and the annual indexation of the sum insured. We do not give percentages for that, because it differs from insurer to insurer and from postcode area to postcode area. You do see it in higher excesses for storm and in stricter requirements for maintenance and prevention.