How do I know whether my water damage was from flood or wind driven rain?
In many instances, you may not, and this becomes a common issue especially, in severe weather events or hurricanes. Not everybody has flood insurance. If you have a mortgage and you live in a flood zone, you’re probably required to keep it. If you don’t live in flood zone, or you don’t have a mortgage, you may not have it. Generally, flood insurance is through a federal program. Unlike other types of insurance claims, you may not be entitled to attorney fees if you have to sue your carrier. What’s important to note though, is that if the insurance company is saying, “We’re denying your claim because we think it’s flood.” But there’s an argument that the water came in from wind driven rain during a storm, you may still have a valid claim, because if they can’t clearly show which was the cause, then you may have coverage under both policies. Or if you don’t have a flood policy, you may still have coverage under your homeowners policy, even if they’re denying it. It’s important to talk to trained professionals to understand these issues, and not just take the insurance company’s denial at face value. If you have a situation where there’s possible flood, and also rain and wind that affected the claim.