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Is wind-driven rain damage covered by insurance?

March 17, 2023

Home » FAQs » Is wind-driven rain damage covered by insurance?

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Generally, wind-driven rain damage is not covered by most insurance policies. Wind-driven rain can cause extensive damage to homes, but it usually occurs due to an existing fault or defect in the home’s structure that allows the water to enter. For example, if you have missing or damaged shingles, gaps in siding, or a broken window, the water can easily enter and cause extensive damage. Most insurers will not cover any wind-driven rain damage caused by existing defects or faults.



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