April Showers Bring May Flowers

As Spring is setting in, we start hearing the birds chirping and the trees are starting to bud with their blooms, we start thinking about preparing for what comes with every Spring and Summer in Florida… rain. Lots and lots of rain. As much as we need (and want!) the rain, if you have damage to your home that is caused by rain, it can be confusing if you needed to file a claim to repair that damage. In fact, many Florida homeowners have never heard of the term, “wind-driven rain” until they had damage to their home and found out their home insurance doesn’t cover it. So, what is wind-driven rain and how do you know if your policy has it covered?

Wind-driven rain can be very confusing when you’re unfamiliar with the concept. For the sake of being brief, wind-driven rain damage is caused when there is no hole or entry point for the rainwater to come in from, but is still pushed inside your home by wind. For example, if wind caused rain to enter through the window seals, soffits, or siding and then caused damage. The best way to look at it is, if the wind wasn’t there, the rain itself probably wouldn’t have caused damage.

Particularly in the state of Florida, this coverage is very important. However, because of the high likelihood of exposure, many insurance companies have put an exclusion on policies for this type of loss. As you can imagine, this could be very frustrating for someone to find out, usually after a storm… when it’s too late. There are a few things that you can do to help prevent this issue before it starts. You can do a series of proper maintenance steps to your home to ensure the seals around the windows and doors are tight, replace any broken window panes, replace missing or damaged siding, and keep your roof structure and soffits maintained.

Here at Bouchard, we have surrounded ourselves (and our clients) with some of the best companies available. Therefore, we have several carriers that include wind-driven rain in their policies and some companies may allow the coverage to be added back onto the policy for an additional premium charge.  So, if you are concerned about wind-driven rain or want to see if your policy includes it, please reach out to one of our team members to review your coverages with you! And if you know of a friend or family member that you think would be interested in protecting their home from wind-driven rain, share this article to increase awareness to such a common issue in Florida!


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Christin Snow is a Personal Lines Account Manager at Bouchard Insurance. Christin is experienced in all lines of personal insurance. | Connect on LinkedIn