Insurance
I would expect any insurance company to balk at paying up if the insured was deemed to have failed to have taken 'reasonable precaution' to prevent the damage.
Leaving an aircraft outside in the weekend wind without being properly tied down will surely result in a 'sorry mate - claim refused.'
At best you can expect a 'negotiated settlement' that takes into account the insured's neglect. Max wallet grief I'm afraid. And why not? Why should anybody be in a position to sit indoors and think - 'don't worry about it - it's insured. ' A look at the small print would have got owners rushing to the field I bet!
I was in a Grob syndicate until a year ago - we left it outside for 6 months and folded/ hangared it for the Winter.
The tie-downs were substantial chains set in one-tonne concrete blocks. All I did was dig the holes, drop the chains in and slop the mix in.
We also fitted a set of Cambrai heavyweight covers. Excellent protection plus spoilt aerodynamics.
It never budged.
Total peace of mind for a weekend of digging, plus a few quid on the covers - secondhand when they were bought several years ago and still perfectly fine.
Fortunately - my 3 were all tucked away. I am lucky to have hangarage.
BB
BB