storm damage空格处是对Top cover“一级保险”进行解释说明。录音原文中该顾客解释了曾经因为投保未包含风暴灾害(storm damage)而遭受损失，因此需要风暴灾害的保险(need storm damage insurance)。

W: Good morning. Take a seat. I see you’ve picked up some of our brochures.
M: Yes. I’ve been reading the one on travel.
W: Would the travel insurance be for you, or for your family as well?
M: Just for me.
W: So, individual?
M: That’s right.
W: Are you looking for a basic or a comprehensive policy?
M: To be honest, I’ve had basic in the past, but it didn’t pay out very much.
W: That’s often true. With our company, you can be insured for different amounts. For instance, in Section 1: Baggage and personal effects, you can be insured for all five subsections or for as few as two.
M: I think I’d like insurance for all five since I’m going to some unsafe places.
W: Wise decision.
M: By the way, can a camera be counted as a single item, or must it be included in Cameras and portable electronic equipment?
W: If you have an expensive camera, you can nominate it as a single item. Our maximum payout is $1,500. Occasionally, people have their camera and computer stolen together. If insurance is only taken out on Subsection 2, this may not cover the replacement of both things.
M: That’s what happened with my previous policy. However, in that one, there was a higher limit for lost or stolen money: yours is only $700.
W: These days, with credit cards, people don’t carry much cash， so we’ve set the limit accordingly. Still, we pay out well for Documents.
M: Indeed. In the Disrupted travel section, ’reasonable costs’ is written for a missed connection or an early return, instead of an amount of money. What exactly are reasonable costs?
W: Put it this way: if you miss your flight due to poor weather that is verifiable, we pay $300 per day of lost time. If you arrive at check-in as the aircraft is leaving because you overslept, we still pay out, but only $100 a day. We rely on information from the airline to determine this.