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Written by Andy Gurczak

March 10, 2022

Wind-Driven Rain Damage Claim

Wind-Driven Rain Damage Claim

If rain, snow or sleet has damaged your home or business, you may assume that your property insurance company will cover the storm damages. However, after you file an insurance claim, the insurance company may deny coverage. The reason? The carrier may tell you that your claim was a wind-driven rain damage claim. Therefore, the water damage you incurred is not covered by your commercial or homeowners’ insurance policy.

What is a Wind-Driven Rain Damage Claim?

Tropical storms, hurricanes, wind or hail storms-they all can cause damage to homes, buildings and personal property. And if your home or commercial building has water damage or hail damage after such a storm, you will likely file a claim and expect your insurance carrier to cover damage caused by the storm.
However, your policy may exclude water damage caused by wind-driven rain. Whereas hurricanes, tornados and severe storms usually involve both wind and rain, property insurance companies view wind-driven rain damage as different. Often, they deny coverage when the adjuster feels that the property owner poorly maintained their property, resulting in wind-driven rain damage to the property.

For instance, the adjuster might feel the roof of a home was in bad shape. Wind damaged the roof in a storm six months ago. Or there were hail damages from prior storms. In any event, the owner never got the roof repaired.
As another example, there could be old, broken or missing shingles on the roof. During the storm, the wind drove rain onto the roof. As a result, the poor condition of the roof permitted rain to enter the structure through the roof or wall of the building.

Is Wind-Driven Rain Damage an Issue with Flood Insurance?

It can be.
Typically, homeowners’ insurance policies do not cover flood damage claims. Consequently, people who live in flood-prone areas get flood damage coverage through the National Flood Insurance Program (NFIP).

For example, let’s say a severe storm resulted in heavy flooding in your area. Wind from the storm damages windows and doors. As a result, the wind drove the rain into your house, causing the rainwater to seep through the broken windows and/or doors.

Under those circumstances, the flood damage carrier may believe the water damage to your property is due to rainwater that entered your house because of the wind, not flooding. Accordingly, the carrier may deny your flood damage claim as a wind-driven rain damage claim.

If You Need a Public Adjuster for a Wind-Driven Rain Damage Claim, Call AllCity Adjusting

We are a family-owned claims company with five decades of combined adjusting experience. Consequently, if there’s one thing we understand, it’s that you need 100% of your claim value.
Insurance companies undervalue your claim 8 out of 10 times. They hire expensive claims adjusters to ensure they maintain a strong profit margin. Additionally, they have experienced actuaries that help their team of agents to challenge your insurance claim’s validity and value.
Of course, you have already gone through a tumultuous event. Therefore, get an agency that gets you more during the claims process.

If your insurance company tells you they denied your claim because it was a wind-driven rain damage claim, call us. First, we will review your policy. Next, we will review all the damage reports and see if wind-driven rain did, in fact, cause the damage. Then we will inspect your property to see if there was a pre-existing defect.

We will then negotiate a resolution most favorable to you.

At AllCity Adjusting we work to ensure you get 100% of your claim value. Indeed, with over 50 years of combined adjusting experience, we know insurance companies and understand where they cut corners. Moreover, we help you build a larger claim and maximize your claim value.
Lastly, we get you back to normal fast.

Don’t get fooled, get the company that gets you more. Call us today at 844.692.3587 or visit our website to find an office near you.

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Best way to beat the insurance company is to hire AllCity Adjusting

At AllCity Adjusting we help residential and commercial clients alike get the claims support they need. Moreover, we have over 50 years of combined experience helping get our clients the max settlement time and time again. If your claim has been low balled or denied entirely we can help increase your maximum settlement. Call us today for a FREE consultation. Experience the AllCity difference.

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