Скачать или смотреть Rain Loss Worries Me the Most - Its a common loss but uncommon coverage outcome

*Rain Is the Loss That Worries Me Most*

When a property damage claim starts with rain, my concern level goes up immediately. Water losses are rarely simple. They can disrupt operations for months and often turn on one critical question, how did the water get in?

Insurance coverage for rain or water damage is not automatic. It depends entirely on the source, duration, and mechanics of the loss. Small details determine whether a claim is covered or excluded.

Key considerations I walk through on every rain related loss:

Did water back up inside the structure, triggering water backup coverage?

Did water enter through the roof or walls, and was it truly sudden and accidental, or the result of a long term issue that finally failed?

Did water enter from ground level, drains, or sewers, potentially triggering flood or a specific policy exclusion?

Rain is common. The coverage outcomes are not. Understanding these distinctions before a loss occurs is where risk management actually matters.