If you live in an area that experiences heavy rainfall, it’s important to protect your home from water damage. Many homeowners believe that damage caused by rain is automatically included as a part of homeowners insurance, but this is not always the case. Here’s why a homeowners insurance policy is not necessarily a rain insurance policy.
Whether or not a homeowners insurance policy covers rain damage depends on the events leading to the damage. As a general rule, rain damage that occurs partly due to neglect on the homeowner’s part will not typically be covered.
Insurance will also usually not cover damage that happens over a long period of time rather than being caused by a single event.
However, a standard policy will usually cover events such as rain entering your home due to high winds or a tree falling through your roof during a storm and letting water in through the hole.
The only way to be fully certain of what types of rain damage your homeowners insurance covers is to read your policy in detail. Before signing up for a policy, be sure to take plenty of time to read over the fine print. Otherwise, you may be in for an unpleasant surprise later on.