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Riot, Strike, Malicious damage (RSMD Perils) Storm, Tempest, Flood, Inundation, Hurricane, Cyclone, Typhoon and Tornado. d) Cover for STFI and RSMD perils can also be given during currency (where they. Riot, Strike and Malicious Damage (RSMD):; Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation (STFI):; Impact Damage:. Standard Fire and Special Perils Insurance is a traditional cover that offers cover. Notwithstanding what is stated above, the Sum Insured shall stand reduced by the amount of loss in case the insured immediately on occurrence of the loss.