Many Texans were having flashbacks to Hurricane Harvey last week as they surveyed the damage caused by several days of significant rainfall. On June 19th, a slow moving storm drenched Southeastern Texas with the worst rainfall the area has seen since Hurricane Harvey in August 2017.
The slow moving storm was a recipe for disaster. The upper-level low-pressure system stalled over Texas, where it began interacting with widespread tropical moisture, which caused the torrential downpour. The storm dropped large amounts of rain ranging from five inches to 15 inches in some areas. Most of the rainfall fell along the Texas coast from its Southern border to approximately 125 miles south of Houston. The rain also hit the Beaumont-Port Arthur area particularly hard, with some property owners discovering six inches of floodwaters. Many Orange County residents had only recently moved back into their homes after Hurricane Harvey only to suffer flood damage again during this latest bout of storms.
Recovery after a storm like this can take many months. Unfortunately for property owners, dishonest insurance companies are reluctant to uphold their policies, thus slowing repairs down. Many companies use nuances in policies to try to wiggle their way out of paying claims, so it’s important for policyholders to understand some insurance jargon.
Wind Driven Rain vs. Storm Created Openings
There are two types of water damage created by rainfall: wind driven rain and storm created openings. While you might not think there is much of a difference between the two, the reality is that one of these types of damage is covered by insurance and the other is not. A storm created opening occurs when wind or other forces during a storm create an opening rainfall can then fall through. If wind rips off portions of your roof, siding or windows, a building’s interior will quickly become drenched. This type of damage is covered under your insurance policy. Wind driven rain occurs when an existing flaws in the building envelope allow rainwater to enter the interior of a building. This type of damage is not covered under your policy.
The difference between wind driven rain and storm created openings may seem obvious, but many insurance companies will wrongfully classify damage as wind driven rain to avoid paying out. Unfortunately, many policyholders don’t know any better. When an insurance company wrongfully denies claims, policyholders can hold them accountable by filing a lawsuit.
Insurance Attorneys For Southeastern Texas
Raizner Slania LLP is a local law firm that focuses on getting policyholders the most out of their policies. If your insurance company has delayed, underpaid, or denied your property damage claim, call us today to schedule a free consultation and learn your legal options.