Does Homeowners Insurance cover Rain-related Water Damage?
Yes, in most cases! A standard homeowner’s insurance policy will cover rain-related water damage as long as the storm “opened up” a hole in the roof, allowing water to leak in.
Some dilapidated buildings or have prior issues will have problems during a storm. This means they have conditions that are not covered by insurance. When the building has been neglected, your insurance will not cover it.
Any rotten shingles or other holes in the structure that existed before the storm will usually be denied. The insurance adjuster is trained to spot whether or not the hole in question is new or something that had been repaired and failed. If you know that the water came in from an old repair job or something ongoing, in most cases, your insurance will not cover such damage.
What Happens When a Flood Is Caused by Rain?
Floodwaters are not typically covered under homeowners insurance. Basic leaks are when caused by natural disasters. But, if the home is flooded with standing water due to a storm, that typically is not covered. Because of the severity of the damage and the high costs involved, insurance companies specifically exclude flooding from their standard policies. However, there are times when you can get this coverage as an add-on, should you be interested.
Does Homeowners Insurance cover rainstorm Damage?
Many other types of damage to a home can occur depending on the severity of rainstorms. This includes hail damage, wind, or storms. Homeowners typically cover natural disasters. These disasters can take many different forms, causing damage that property owners were completely unprepared for.
Wind/tornado damage Wind gusts of more than 50 mph can rip siding and scatter rocks, sticks, and other debris, topple trees and rip off roof shingles. These occurrences have left properties in critical condition in some cases. Sometimes tornados and winds can completely destroy a home, leaving little in its path. Most homeowners will cover tornado and wind damage.
Damage from hail. Hail of a certain density can dent vehicles, cause leaks and break windows during severe storms. It can be devastating to your siding and roof as well. Hail damage is quite often covered without issue.
Lightning Strike. While strong winds are also associated with severe storms, lightning can destroy automobiles, chimneys, and roofs if it strikes them directly. You should contact your insurance company right away to determine if you are eligible for this type of coverage.
Is Ordinary Wear and Tear Covered?
While homeowners’ insurance can cover various water and rain damage, it is only intended to cover emergencies. This means that they will not pay for home damage if a building material has already been replaced. This includes normal wear and tear, which will be identified by your adjuster if the damaged building material is old, rotten, or was due for replacement before the storm, so keep that in mind.
Covered or Not by Insurance?
When you are in question if something is covered, the best way to find out is to call your insurance company and speak to them about your insurance policy.