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Wind Damage
Article by David Selter
By now, especially since Hurricane Harvey, everyone has heard the horror stories of trying to deal with FEMA on water damage claims after area wide flooding. And yes, almost all homeowners flood insurance is managed by FEMA no matter what insurance company you purchase it through, with the exception of some insurance on very high value homes.
But rising water isn’t the only cause of water damage from storms. Roofs, siding, doors, and windows can be damaged allowing wind driven rain to enter the structure. These situations are not covered by federal flood insurance, but fall under your regular homeowners policy. Homeowners insurance typically covers wind damage. Coverage also usually includes damage from hail, wind-driven rain or snow that gets inside the home when a roof or wall is damaged due to wind, BUT (there’s always a but) not necessarily. When it comes to making a claim, many property owners are upset to hear that their insurance company does not cover these types of losses, or they may only cover the building and not personal belongings for these types of losses. As painful as it sounds, it is critical to read your policy!
Usually a dwelling is covered for wind driven rain type losses, unless these types of losses are specifically excluded. However, when it comes to your personal property or contents, coverage is almost always excluded for wind driven rain loss. Contents in a standard Homeowners policy is typically covered on a “named perils” basis. This means the cause of loss has to be specifically listed in the policy or no coverage exists. Named perils include fire, lightning, explosion, and theft. Windstorm or hail coverage is also covered, but the policy usually says that this peril does not include loss to the property contained in a building caused by rain, snow, sleet, sand, or dust unless the direct force of wind or hail damages the building causing an opening in a roof or wall and the rain enters through this opening. Which means that if the force of the wind pushing water against aged windows or door seals for over 12 hours causing water to enter your home, your contents would not be covered because the wind had not created an opening, such as blowing out a window thus allowing water to enter.
It is critical to read and understand your homeowners policy. Go over it in detail with your agent. There are few things more frustrating than walking around your devastated home after a storm, while having an adjuster tell you what all your policy does not cover.
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Anna H.
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“For over twenty years I have managed hotels. When water damage occurs, time is of the essence! I have been working with DryMore for many years and have always been impressed with how quickly they respond. It seems like minutes from the time I put” …More
Mark Edwards
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