July 20, 2021 | Hurricane | Insurance Coverage

Wind-driven Rain: What is it and do I need coverage?

As hurricane season ramps up, it’s extremely important to understand what your insurance policy covers and does not cover. Now is a great time to reach out to your agent and set up a coverage review. During your review, be sure to go over exclusions. While every insurance policy contains different coverages, wind-driven rain is a coverage that isn’t well understood, but it shouldn’t be overlooked.

What is wind-driven rain?

Wind-driven rain is the sudden and temporary entry of rain, snow, sleet or ice pushed into a building by wind. The water is pushed into the building without causing any exterior damage. Many property insurance policies do not provide wind-driven rain coverage, and this can leave insureds believing they are fully protected when they aren’t. 

ICAT offers wind-driven rain coverage on eligible commercial policies to ensure your biggest asset is protected!*

To learn more about wind-driven rain coverage and how it differs from wind coverage, watch the video below and contact your agent for an ICAT quote today.

*Wind-driven rain coverage is not available for homeowners at this time.

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