Recently, homeowners, condominiums and businesses from Florida to North Carolina experienced 损伤 caused 通过 wind and water from the forces of Hurricanes Hermine and Matthew. Flood insurance may provide benefits for interior 损伤 caused 通过 flood waters entering insured homes and properties, however, many times interior water 损伤 is caused not 通过 the flood waters, but rather, 通过 water blown 通过 the wind that somehow enters a structure, commonly called “wind driven rain”.
In the past several years, insurers have been tightening the language in property insurance policies, including homeowners policies, to avoid paying for interior water 损伤 caused during a windstorm. Some insurers inserted in their policies language which seeks to exclude or limit 损伤 caused 通过 water intrusion to the interior of the structure (and personal property), unless the building first experiences 损伤 通过 wind (or some other covered cause of loss) to its roof or walls through which the rain enters the building. Other insurance companies have included a similar exclusion in their policies which excludes coverage for interior water 损伤 caused 通过 rain, unless the direct force of wind or hail 损伤s the building, causing an 开场 in the roof or wall through which the rain enters the building.
The cost of repairing interior water 损伤 can sometimes be more significant than the cost of replacing a wind 损伤d roof. Accordingly, it is not uncommon for homeowners to be told 通过 their property insurance company their claim for interior water 损伤 under their homeowners or other property insurance policy is being denied because there is no “hole” or other “visible” 开场 or 损伤 through which the rain entered the home causing the 损伤, and thus no coverage for the loss.
究竟是什么构成“damage” or an “opening”大多数财产辰龙捕鱼单中都没有定义雨水可能进入建筑物的途径。辰龙捕鱼公司通常会偏爱这些未定义的术语。什么构成“damage” or an “opening”当然会有不同的解释。通常，这些术语的解释可能取决于专家的证词。大多数财产所有人在试图收回超出其免赔额的福利时，在财产辰龙捕鱼公司拒绝提供辰龙捕鱼后，便无法与熟练的证人联系以协助他们寻求辰龙捕鱼。财产辰龙捕鱼公司可以与定期与之咨询的众多专家和律师接触，他们了解这些财产辰龙捕鱼单的细微差别，并且在财产辰龙捕鱼公司要求时，了解如何以大多数术语表达意见。有利于财产辰龙捕鱼公司，因此可能无法得出结论。
佛罗里达州的消费者面对基于某些技术政策语言（例如“wind driven rain”排除，最好与熟悉该问题的律师协商，以帮助他们收回其财产辰龙捕鱼单项下应得的利益。在泰勒& Hamilton, we are available to consult at no charge on these and other issues relating to your property insurance 损伤 claim after a storm event.