For policies beginning with SBY and NHP, you can check what you are covered for by logging in to the online portal. Within 'Your policies' you will find your 'Policy Summary' which explains what you are covered for.

For policies beginning with HBP, storm conditions are defined in your policy wording as strong winds over 55mph, and/or hail or snow that’s extreme enough to damage hard surfaces or break glass. Rain alone is not a storm.