Wind Driven Rain
Wind Driven Rain is an illusive definition that is almost as illusive as the payments received by your insurance company from damages resulting from it. Simply put, wind driven rain is damage caused by rain that comes through an opening being propelled by wind or wind driven. In other words, if the wind was not in the equation, the water would never have made it in the dwelling to do damage. So the big question is whether or not flood damage from wind driven rain damage covered by my homeowners insurance? According to the National Flood Insurance Program, the answer is:
“No. When rain enters through a wind-damaged window or door, or comes through a hole in a wall or roof, the NFIP considers the resulting puddles and damage to be windstorm-related, not flood-related.
Flood insurance covers overflow of inland or tidal waters and unusual and rapid accumulation or runoff of surface waters from any source. However, the flood must be a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is yours). Although flood insurance specifically excludes wind and hail damage, the good news is that most homeowners insurance provides such coverage.” – National Flood Insurance Program“
So where does that leave the owner of the dwelling? Often times this leaves homeowners forking over out of pocket expenses to cover damages that are caused by wind driven rain. But like the proverbial which came first the chick or the egg conundrum, determining if the damage to your dwelling was caused by the water that blew sideways or the water that dripped in via gravity is a whole new mystery. One that can be solved by the sleuthful services of a public adjuster.
Often time insurance adjusters will determine causality based on what is in the best interest of the insurance companies. A public adjuster, on the other hand, is a representative for the insured. Public adjusters look for the real cause of damage to your home so that you get what is fair and equitable. Not that all insurance adjusters are out to get you, but it does make good sense to get a second opinion, especially when it comes to one of your greatest assets: your home.
When you need a qualified public adjuster call Randell Smith. Randell is a public adjuster with experience in many facets of construction and this experience translates into a well trained eye that can spot discrepancies in initial insurance reports. By carefully examining your claim and your actual damage you will be prepared to meet your insurance company on more equitable terms.