March 10, 2022
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.
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.
Real Support When You Need It!
Should You Make Your Own Insurance Claim Repairs?
Let’s say you had a small fire in your home. Faulty electrical wiring caused the fire. Of course, someone will have to tear down parts of the wall where the fire started. Then someone will have to hang new sheetrock and paint it. You’re pretty handy around the house. You’re thinking, should you make your own insurance claim repairs? Is there any way to get your insurance claim check faster?
What Are Some Common Business Insurance Claims?
Certainly, almost all businesses, from large corporations to mom-and-pop stores, will probably face some type of accident or incident that will become an insurance claim. Below we will discuss some common business insurance claims that businesses across the country must confront.Is there any way to get your insurance claim check faster?
How Does Home Repair Insurance Work?
Homeowners’ insurance will cover damage from unexpected and sudden perils, like hurricanes, fires, and hail. However, it excludes insurance coverages if the damage stems from everyday use and wear and tear to appliances, HVAC systems, etc. Therefore, if you feel you need insurance coverage for those items, you need to know the answer to the question: how does home repair insurance work?
How to File a Roofing Insurance Claim
Your roof is the primary protection for your home from the elements. Of course, the wind is probably the most dangerous element to your roof. However, roofs also get damaged by falling trees, electrical poles and wires, hail, and heavy snow. If a storm or some other unexpected event damages your roof, you will have to know how to file a roofing insurance claim.
How to Get Flood Insurance
Homeowners’ insurance protects homes from damages caused by fire, hurricanes, windstorms, and other natural disasters. However, standard homeowners’ insurance does not cover damages caused by floods. Consequently, homeowners and renters who live in a high-risk zone for flooding need to know how to get flood insurance.
commercial mold cleanup and restoration
If you have found mold in your business, you should be concerned. For instance, properly removing mold can be expensive and difficult to do correctly. Mold in your business can be dangerous for your health, and that of your employees, customers and visitors. However, commercial mold cleanup and restoration is necessary if you want to keep operating your business.
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