In which case it is insidious that they don't have exact details in policies. There is also the catch, which is that there is a different between the constant Beaufort measurement and gusts. It would be unusual to have gusts over 100 km/h on a 67km wind, but no impossible. Gusts over could come with any strong gale (74.6–88.1 km/h) of over 80 km/h or just about all storms (proper speeds 88.1–102.4 km/h, not what I put at the top). However, all a meteorologist can measure is the constants at their station and then add gusts there, which are localised, as almost a possibility.
I had no idea about any of this. I just assumed that what is in an insurance policy is what we get, but it appears we have to not just read even the small print but to read into that such details, thus a process like osmosis happens whilst reading, so that we know it is pointless to make most claims.
Mind you, I do not agree with Simon below. Health insurance has saved me a moderate fortune. House insurance has enabled us to replace electrical goods like a washing machine that gave up the ghost at the time of one of EDF's strings of on/off and other similar things. Also, as I know from somebody else, an accident in a house that is not insured can make health insurance void. A person not far from us closed an inside door that pulled out of the wall with the frame, fell on her injuring her back and making her fall against a chair, thus breaking her leg. The fact the house was not insured was used by the company to say that had it been the bad state of the wall caused by local excavations for housebuilding loosening old masonry that needed repair that caused her accident. I believe she only received a small part of what she should have had normally. So Simon, knowing such things are not absolutely unusual, life without insurance can be expensive.