Judge in La. Rules in Favor of Insurance Companies in Flood Lawsuit
Texas / South Central News • May 22, 2006
Insurance companies are not responsible for hurricane-related flood damage if homeowners carry coverage only for windstorms, a federal judge in Louisiana has ruled in a lawsuit over dispute claims ...
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Subject: RE: Wind vs Water - When water (rain, snow, etc) IS covered.
Posted On: May 24, 2006, 5:37 pm CDT
Posted By: ClaimHawk
Comment:
State Farm homeowners Policy 2006
Section One - Losses Insured
1. Fire or lightning.
2. Windstorm or hail. This peril does not include loss to property contained in a building caused by rain, snow, sleet,sand or dust.
THIS LIMITATION DOES NOT APPLY WHEN* the direct force of wind or hail damages the the building causing an opening in a roof or wall and the rain, snow, sleet sand or dust enters through this opening."
3. Explosion.
4. Riot or Civil commotion.
5-16. Review a policy for those details.
'Whether driven by rain or not', and 'wind created openings' that allow wind driven rain to enter a property, are two different sets of 'incident' circumstances.
Wind does create opportunity for moisture damage loss to be covered.
*Capitalization added for emphasis.
Subject: RE: Wind vs Water - When water (rain, snow, etc) IS covered.
Section One - Losses Insured
1. Fire or lightning.
2. Windstorm or hail. This peril does not include loss to property contained in a building caused by rain, snow, sleet,sand or dust.
THIS LIMITATION DOES NOT APPLY WHEN* the direct force of wind or hail damages the the building causing an opening in a roof or wall and the rain, snow, sleet sand or dust enters through this opening."
3. Explosion.
4. Riot or Civil commotion.
5-16. Review a policy for those details.
'Whether driven by rain or not', and 'wind created openings' that allow wind driven rain to enter a property, are two different sets of 'incident' circumstances.
Wind does create opportunity for moisture damage loss to be covered.
*Capitalization added for emphasis.