Heavy rainstorms can strike with little warning, leaving behind flooding, roof leaks, or water damage that can cost homeowners thousands of dollars. If you’ve ever dealt with an insurance claim after a storm, you know it can be stressful—especially when you’re unsure what’s covered and what steps to take next.

SBJW Insurance can break down how rain-related insurance claims usually work and share practical tips for preventing damage before the next downpour.

Common Rain-Related Insurance Claims

1. Roof Leaks
   Strong winds and rain can lift shingles, damage flashing, or overwhelm gutters, allowing water into ceilings and walls.
2. Flooding
   Heavy rain may overwhelm storm drains, causing water to seep into basements or lower levels. Standard homeowners policies usually don’t cover flooding from rising groundwater—you may need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
3. Interior Water Damage
   If water enters through broken windows, storm damage to the roof, or other sudden openings, your homeowners insurance may cover the resulting damage to walls, floors, and belongings.
4. Mold Growth
   If water damage isn’t cleaned quickly, mold can develop. Coverage varies—some policies cover mold remediation if it stems from a covered peril (like storm damage), while others exclude it.

Steps to Take if You Need to File a Claim

1. Document the Damage
   Take clear photos and videos before starting cleanup. This evidence will strengthen your claim.
2. Prevent Further Damage
   Most insurance policies require you to take reasonable steps to prevent additional harm, such as using tarps or a sump pump.
3. Contact Your Insurance Company Promptly
   File your claim as soon as possible. Delays can complicate the process.
4. Keep Receipts
   Hold onto receipts for any emergency repairs or items needed during cleanup—many may be reimbursable.

Preventative Steps to Mitigate Rain Damage

While you can’t control the weather, you can reduce the risk of damage:

• Maintain Your Roof: Inspect shingles, flashing, and gutters regularly. Address loose or missing shingles before storm season.
• Clean Gutters and Downspouts: Clogged gutters cause water to pool and seep into the roofline or foundation.
• Check Grading Around Your Home: Ensure soil slopes away from your foundation to prevent basement leaks.
• Install a Sump Pump: Especially useful in flood-prone basements. A battery backup keeps it working during power outages.
• Seal Windows and Doors: Re-caulk or weatherproof to prevent leaks during driving rain.
• Trim Trees and Branches: Overhanging limbs can break and damage roofs or windows in heavy storms.

The Bottom Line

Rain is unavoidable, but costly damage doesn’t have to be. By maintaining your home, investing in flood coverage if needed, and knowing the claims process, you can face storm season with confidence. And if damage does occur, being proactive and prepared can make the difference between a smooth claim and a frustrating experience.