Homeowners insurance won't cover our issue! PAIN!

[Nathan Stanley]

What have been your experience with your Homeowner Insurance? We have had issues with Farmers insurance covering 'wind driven rain' flooding our home. What do you look for in a policy and what (if anything) should we change when the primary turns into a rental? 

[Rod Hanks]

Wind driven rain is pretty standard on most homeowners policies. It’s covered as long as the reason for the opening was due to the wind or other covered peril. If you just leave a window open and it rains and damages your property that won’t be covered, but if a wind gust blows the window out and rains comes in as a result that would be covered. I would be interested to know the reason they denied your claim.