Storm rating of insurance clauses

It depends on the insurance terms. If your car damage insurance states that the storm (typhoon) is covered by insurance, you can get compensation. At the same time, you can apply for subrogation, and after the insurance company makes compensation, you can issue a transfer of rights to the insurance company. This is the best way.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.