Section 4.112 Windstorm and Hail

• Library: Insurance Practice 2015

Direct loss by windstorm and hail is covered, but losses caused by frost, cold weather, ice (other than hail), or snow or sleet, whether driven by wind or otherwise, are usually not covered. A windstorm, absent a restriction in the policy to wind of a certain velocity or duration, is a wind of any force causing damage. Lane v. Cape Mut. Ins. Co., 674 S.W.2d 644, 645 (Mo. App. E.D. 1984). When windstorm is the dominant and efficient cause of the loss, the insured may recover even if another cause...