If your property has been damaged due to a heavy rain and high winds, it can be tricky to collect insurance benefits to pay for repairs.
Home and renters policies exclude some but not all types of water damage. "Flood" damage (the policy should define what the insurer considers a "flood") and earth movement are excluded. Water damage from sewers and drains that back up may or may not be covered, depending on the wording in the specific home/renters policy. If wind or falling trees cause damage to pipes or contribute to water getting into a dwelling, there... Read More