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Wind-Driven Water Damage…What You Need to Know

What is worse than water? Wind-driven water. Primarily when it affects your home. Here in the Sunshine State, our homes are prone to wind-driven water during the Summer months. Living in Miami-Dade County, we are always at risk of damage. Your Insurance Attorney is here to make sure you know what to do if this ever happens to your home. Our professionals know how to handle a wind-driven rain roof leak. Count on our property damage lawyer Miami. 

 

Remember Irma?

Hurricane Irma and Michael have come and gone. Both of these devastating storms have left a lot of damage to homes across the state. These powerful storms broke records and what’s to say it won’t happen again? 

 

So what is wind driven wind? Wind-driven rain is a self-explanatory thing: it’s rain that is driven into your home by the wind.

 

In the insurance world, wind-driven rain refers to rain that comes through an opening because the wind is propelling it. 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. If the wind and rain cause damage on their own, then this is generally covered on your home insurance policy. However, the “wind driven rain” stipulation may be used if your insurance agency finds out that your home essentially led to the damage caused by the storm. In this case, even if you have flood insurance, your insurance agency may not cover the damages.

 

How Does Insurance Affect A Wind Driven Rain Roof Leak?

When many people spot water damage in their home after a storm, they assume their flood insurance will cover the damage. That’s not true with wind-driven rain, unfortunately.

 

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, 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. So if your home’s flood insurance doesn’t cover the damage, then what’s the next step?

 

Wind-driven rain disputes can get frustrating for homeowners. Some homeowners feel they did everything right. They read through their home’s insurance policy. They maintained their home adequately. And they still get their claim denied because of the wind-driven rain stipulation.

In many cases, wind-driven rain is clearly defined and outlined in your insurance policy.

In some cases, however, claims can be wrongfully denied. A company may deny your claim because of wind-driven rain – even though wind driven rain wasn’t clearly outlined in your policy.

 

Call Our Property Damage Lawyer Miami Today

When it comes to finding the best outcome for a wind-driven rain roof leak, we are the ones to turn to. Our property damage lawyer Miami will keep you protected. A claim specialist, such as someone from Your Insurance Attorney, may be able to help you with getting around your policy’s limitations. Usually, insurance policies can be tricky and confusing; that is where we come in. Since fire damage can be overwhelming, a public adjuster and property damage lawyer may be able to help you. Give us a call today at (305) 800-4762 to see how we can help you! Contact us now. Our insurance lawyer near me is here for you!

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