Wind Driven Rain Roof Leak Insurance

In the insurance world wind driven rain refers to rain that comes through an opening because the wind is propelling it.

Wind driven rain roof leak insurance.

Some insurance policies contain water exclusions or limitations of coverage to the interior of the building or the property contained in the interior of the building unless a windstorm damages the exterior roof or walls of the structure through which the water enters. While wind driven rain is not a defined term in insurance policies there is wording in the insurance services office iso homeowners policies and commercial property policies speaking to coverage. The court held that since the insureds did not allege that the dwelling sustained any actual damage to its roof or walls by the direct action of the wind and that the rain leaked through the roof solely because the insureds had removed the protective covering of the shingles there would be no coverage under the policy. When a storm damages your home it s typically wind and rain that cause most of the damage.

So if the wind were out of the equation the water would never have made it in the house in the first place. When a storm damages your home it s typically wind and rain that cause most of the damage. In the insurance world wind driven rain refers to rain that comes through an opening because it is being propelled by the wind. Invariably it seems as if as quickly as the hurricane force winds stop blowing the claims denials start blowing in citing what insurance professionals refer to as wind driven rain.

They will want absolute proof that storm damage is the cause of the roof leak. If the storm damage is widespread independent inspectors are brought in to handle the load of claims.