Hi,

My home has an atrium with a center drain that was clogged by roof shingles that were blown off my roof during Hurricane Ike.

My insurance carrier is denying that part of my claim because they say it is due to flooding which my homeowners insurance doesn’t seem to cover.

But since wind damage is what caused my roof shingles to come off and land in the atrium then wouldn’t that be from wind damage and not flood damage???

If someone knows the answer to this, please let me know as this represents thousands of dollars of damage to my home!

Have you had any luck with your insurance company on this? While insurance policies don't typically pay for flooding, they do in some circumstances such as a burst pipe in the home. It sounds to me as though this claim SHOULD be covered based on the wind damage.

However, how much time lapse was there between the wind event and the rain? If you neglected to repair the roof promptly, I could see a gray area here where it could be a maintenance issue.

Thousands of people faced long cleanups of their homes after flooding and high winds from the remnants of Hurricane Ike caused seven deaths and damage across the state.
Flooding from the Little Calumet River forced hundreds of people from their homes in the Lake County town of Munster. Some of the 60 people who spent the night at a shelter set up in Munster High School said Monday that the water rose quickly.
Strong winds collapsed a convenience store; many buildings were damaged with roofs ripped up and windows blown out, and trees and power lines were toppled along a narrow path through Neosho, about 90 miles southwest of Buffalo.

Options to protect your home from future damage or to reduce the damage include:

• Reinforcing the structure against wind and water surge to reduce water entry

• Elevating or moving the structure to protect from flooding

• Wetproofing or dryproofing to resist water damage

• Using protective elements, such as breakaway walls, levees, and berms

An expert public adjuster can define it- Public Adjusters are professionals who are employed exclusively by a policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company.

When you are not insured, the insurance companies are always flying arround you to be insured, but when some problem arises, what happens you are always flying arround the insurance companies.

LOL!!! As replicaplanet stated, I am agree with his statement. But if you'll have legal documentation towards the insurance policies then no one can cheat you. And it can't possible. Anyways, till now there is a rule if flooding & wind damage your business, insurance will be yours.