When it pools on the top of a house, this weight can cause damage to the roof. The weight of water in any form is surprisingly heavy-rain, hail, ice, or snow. Homeowners insurance will also typically cover water damage caused by the weight of rain, snow, or ice dams. Renters insurance rain coverage instead focuses on replacing or repairing the renter’s personal belongings, such as clothing or furniture, if they are damaged or destroyed by a covered event. Unlike homeowners insurance, however, renters insurance doesn’t cover the structure of the rental property-that is covered by the landlord’s insurance. Renters insurance may also cover water damage if rain enters the apartment or rental property during or following a storm. Photo: Homeowners can usually file an insurance claim for water damage after one of these storms allows rain to get into the home. Heavy rains leading to sudden roof leaks.Common types of storms that can cause roof or siding damage and let rain into a home include: Many homeowners insurance roof leak claims come after a strong storm hits the area. Storms that cause damage to the exterior of a home are one of the most common ways for rain to enter a building. In general, water damage from rain that entered the home due to a covered peril, such as a windstorm, will likely be covered by homeowners insurance. This can vary among different types of homeowners insurance since some cover more perils than others. In this case, provided the roof was in good condition prior to the storm, a homeowners insurance policy would likely cover any water damage from the event, less the deductible. If the water enters a home due to a sudden and unexpected incident, a homeowners insurance policy may cover damages.įor example, if a severe thunderstorm causes a tree limb to fall onto the roof of a home, resulting in damage, rainwater could leak into the home. How the water enters the home is one of the most important factors in whether a homeowner will be able to have the rainwater insurance claim covered. When it comes to water damage, a homeowners insurance policy could cover water damage to the structure or the homeowner’s personal property, depending on the type and cause of the damage. The best homeowners insurance policies usually cover a range of perils that can cause damage or destruction to a home. Homeowners insurance may cover water damage from rain, depending on how the rain entered the home and the resulting damage.
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