As with other types of homeowners insurance coverage, the keywords to pay special attention to are ‘recognized perils’. Be sure to chat with your agent to see exactly what kinds of rain-related perils are covered and which aren’t. Let’s quickly go through some basics, but again, with so many ways for water to end the home depending on your location, insurance providers have a lot to consider.
_ Wind-Driven Rain: When there is a recognized rain-related event that literally drives the rain right into your home due to extremely high winds causing windows to break, doors to fly open, garage doors to fly off, etc. you’re going to likely be fully covered. The issue is that it’s recognized by your insurance as a peril.
_ Rain, Snow, & Ice Dams: Along these same lines, if there’s an especially destructive rain/wind storm in the winter that overnight turns to ice dams and far too much weight on the roof leading to a cave in, you’re going to be fully covered. Not only will your home be covered, but any personal property damaged
in the attic or rooms where the rain entered.
_ Mold: Of course when it comes to homes, where there’s water damage there’s mold. If the rain that got in is covered by your insurance because of a recognized peril, then the mold it leads to is most likely to be covered as well, for removal and remediation. Mold caused by neglect or gradual water damage over a longer period of time isn’t covered.
_ Vandalism: If criminals break into your home and lead to water damage, of course that’s not your fault. This is applicable for shorter trips and vacations, but not usually when the home has been essentially ‘vacant’ for two months or more. Be sure to check with your policy or agent to get the particulars if you plan on being away from home a lot during the year.