Rain Damage: Does Your Homeowners Insurance Cover It?

A home is amongst the most valuable things you may own. Thus, having it insured is critical to preserving its greatness. With the planet's changing weather, the likelihood of your property being damaged by rain is shockingly great. Understandably, many homeowners are concerned about whether or not their insurance covers rain damages.
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Rain damage is specifically covered under the contract terms of a basic homeowners' insurance plan. However, a common homeowner's policy does not cover all rain-related damages to your home. Keep reading to discover more about the sorts of rain damages that may or may not be covered by your homeowner's insurance.

Covered Rain Damages
When making claims for damages in your home caused by rain, you must first review your policy if your claim is valid. Below are examples of rain-related damages that are often covered by basic homeowners insurance:

• Any damage from wind-driven rain entering the house during a storm or tornado.
• Roofing damages from the weight of the rain, ice dam, or snow.
• Sudden roof leaks as a result of hail or storms.
• Mold is caused by rainwater from broken windows or leaky roofs. 
• Rain damage caused by vandalism occurred while you were gone from home. 

Rain Damages That Are Not Covered
Due to rain or water, certain damages to your dwelling are sometimes not covered under the contract terms of a basic homeowner's insurance plan. The following are examples of such instances:

• Storm-related flooding.
• Damage caused by rainwater infiltration through foundation cracks or flooding exit windows.
• Deteriorating housing structure that enables rainwater entry.
• Rain damages that developed over time.
• Damages caused by negligence.

Conclusion
Since ordinary house insurance policies do not cover flood damages, adding insurance coverage to your home policy is recommended because it gives comprehensive coverage against various risks.

At Black and Associates Insurance, Inc., we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (509) 464-0058. Get your free quote today by CLICKING HERE. The coverage discussed in this article is not guaranteed. Please call our agents, we are happy to help you learn more about your plan and make sure you have the coverage you need.