Insurance during construction phase

Hello everyone,

we had a discussion today about storm damage. The question arose whether "normal" storm or the damage resulting from it can even be insured as long as the house is still under construction.

In the residential building insurance, it is explicitly stated that storm/hail damage is only covered once the building is ready for occupancy. However, the construction all-risk insurance only covers damage if an "unusually" strong storm occurs. A small amount of hail damage would therefore actually not be insurable. Can someone shed some light on this insurance issue?

What damage potential do you see on an unfinished building caused by hail damage that is not related to an extraordinary weather event?

Insurance for "a little bit of damage" is useless anyway due to the lack of impact.

I was concerned about hail on the solar system or displaced roof tiles. Would you classify the wind/storm that causes such damage as "abnormal"?

Residual risk... this is where the wheat will be separated from the chaff. I can imagine that a good, powerful insurance, provided it is a fire shell construction insurance with a subsequent residential building insurance, could cover damage to the solar system.

In the case of a photovoltaic system, the hail risk until the final installation (grid connection) lies with the installer; from the grid connection onwards, a separate insurance is advisable, unless covered by the residential building insurance.