is rain damage covered by home insurance

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PostPosted: Tue May 10, 2016 4:19 am   Post subject: is rain damage covered by home insurance  

after over a week of rain, the wall board over our sliding glass door bubbled up from rain getting in somehow.

wdessino1
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PostPosted: Wed May 11, 2016 12:42 pm   Post subject:   

Depends on how it got into the home. There needs to have been a covered loss that allowed the water to enter. Flood is never covered so if the water seeped in at ground level it would only be covered under a flood policy, not homeowners.



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PostPosted: Mon May 30, 2016 1:51 pm   Post subject:   

I think covered by home insurance. It is depend upon your police. I think homeowners insurance should cover this. You have to contact that insurance company. It will be better if you will contact any other insurance company. They will give you write suggestion. [deleted per TOU] is a good insurance company in USA. If you are in USA, you can contact them with this phone no: [Deleted per TOU]

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PostPosted: Sun Jun 12, 2016 7:58 pm   Post subject:   

Quote:
I think . . . I think . . . I think . . .
But you don't KNOW. As tcope wrote, rain damage must be preceded by a covered cause of loss. Rain, in and of itself, is never a covered cause of loss except under a flood policy.


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PostPosted: Wed Sep 07, 2016 2:05 pm   Post subject:   

In many or most cases you would have coverage for the ensuing water damage from the roof leak. If there was no damage caused to the roof from something such as wind, hail or a fallen tree, the roof would NOT be covered but the ensuing water damage could be. With that said, if there was damage to the roof from one of the items listed above you may have coverage for both the roof and the ensuing water damage. Several years ago, these type of claims would almost always be covered, however, here in Florida many insurance companies have added language to their policy stating that you must first have an opening created by a covered peril for which the water entered in order for it to be covered.

I would recommend reviewing your policy and look for wording in regards to weather related damages, you should find your answer there and if you do not see that section, you may very well have coverage.



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PostPosted: Thu Sep 29, 2016 6:02 am   Post subject:   

wdessino1, you should contact your insurance agent to resolve your queries. Make sure you understand your coverage options clearly.



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