Can I have access to an explanation regarding an understanding of Section C Limitations 1.c.(1) of CP 10 30 09 17? A desk adjuster is stating that the water from Hurricane Ida that entered through a window is not covered. I believe it is based on the fact an opening was obviously created from the positive and negative wind pressure affecting the home. This opening was caused by the wind from the hurricane. The seal between the window and wall was affected. It damaged the window's effectiveness, but did not break a pane resulting in damage to the interior of the property. Please give me some guidance.
Louisiana Subscriber
The limitations are a series of exclusions that apply to the policy. In your case, you're dealing with damage from a hurricane. There is no exclusion in the list for hurricanes, but there is an exclusion for wind driven rain. Having said that, coverage does exist when there has been damage to the building from a covered cause of loss to roofs or walls that allows rain, snow etc to enter into the building and damage property.
For example, wind causes the shingles to lift off the roof enough to let rain in; that would be covered, since the wind didn't dive the rain into the building but created an opening that allowed the rain to enter the building.
If the force of the wind was such that water was forced into the building through tiny openings in the window frame that just exist, that is excluded.
The exception applies if there was physical damage to the property that allowed the rain to enter the premises. It does not apply if the wind drives the rain inside without physical damage to the outside structure. There was no damage to the window or the surrounding frame; thus there is no coverage for the wind driven rain.