Flood Damage vs. Storm/Wind Driven Rain
The claims process is not simple. In fact, its purposely complicated and designed by insurance companies that thrive off of the complications. If your home was damaged by Hurricane Ian and you approach your insurance company without the assistance of an attorney, the insurance company will try and walk you into a policy exclusion and subsequent denial. It is what they do BEST! One of the most common pitfalls is the difference between Flood Damage and Storm Driven Rain. Flood Damage is not covered under a typical homeowners policy. Storm driven rain or wind-driven rain is not in the same damage category as flood damage. Storm and Wind-driven rain damage, regardless of the cause, is a covered peril like wind or lightning. Storm and Wind Driven rain can cause an opening in your home which allows rain to enter and damage your property and belongings. Don’t assume that the damage to your home is flood damage.
Talk to an experienced homeowners insurance attorney before giving a recorded statement