Fortunately most of us do not rely on a dictionary to determine what is
covered and what is not covered by an insurance policy. Instead, we
rely on the wording of the insurance policy. Look at the exclusions. If
it is not excluded, it is usually covered. Certainly wind damage is
covered. Fire is as well. Floods as well, unless excluded (Flooding IS
excluded with HOUSEHOLD insurance). Biggest aviation fallacy I have
heard very often, usually quoted by someone who has never owned a plane
(like an instructor), is you aren't covered if you violate a FAR.
Nonsense. If you run a stop sign and run into a car with your car, do
you think your auto insurance does not pay? Almost no one has actually
read their insurance policy, and unless you read it, you will not know.