Policy confusing? Ask Poli.
Is rain that blew in through my window or roof covered?
Most forms cover rain inside the building only after wind first made an opening. Whether your policy says that decides the claim.
What filed forms generally say
A common provision states that the policy does not cover rain, snow, sleet or dust driven inside unless the wind or hail first made an actual opening in the roof or wall.
Under that wording, a roof that leaked because it was old and worn is a maintenance problem, while the same leak after shingles blew off is usually a covered wind loss.
Interior damage — drywall, flooring, contents — generally follows the same determination as the opening that let the water in.
Why your policy can still say something else
Some forms drop the opening requirement, and some state amendments modify it. The wording in your own Perils Insured Against section is what governs.
Clauses to look for in your own document
- Perils Insured Against — Windstorm or Hail
- Exclusions — Wear and Tear
- Coverage A — Dwelling
Policies differ. Upload yours and Poli will show you the actual clause.
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.