Additionally, any policy language found to be ambiguous must be interpreted in favor of coverage. It is important to note that the rules require coverage exclusions to match the claim circumstance specifically, or coverage does apply. Conversely, unless specifically excluded, damage from wind-driven rain that enters through the roof, siding, or other opening should be covered. Given these exclusions, damage from water seeping through a basement wall, window well, sump pump, basement floor, or other entry point at the foundation and below is not a covered loss. Weather conditions that contribute to any of the above.Sump pump discharge (may be added with an endorsement).Sewer or drain backup (may be added with an endorsement).Surface water movement (includes water traveling on the ground).Coverage for flood is available only through a flood insurance policy. Flood, defined as, “A general and temporary condition of partial or complete inundation of two or more acres of normally dry land or of two or more properties from: a) Overflow of inland or tidal waters b) Unusual and rapid accumulation of runoff of surface waters from any source or c) Mudflow.Most all-perils policies exclude (among other things) water damage caused by: There are many types of homeowners insurance policies. Major rain events - like the ones that have been plaguing Wisconsin this summer - get insurance companies busy denying homeowners insurance claims based on water-related policy exclusions.
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