Kansas Roots Insurance

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🏠💧 Why Doesn’t Insurance Cover Rainwater Entering Your Home? 💧🏠
It’s a question we hear a lot — especially after a heavy storm.

Here’s the short answer: Standard homeowners insurance doesn’t usually cover rainwater damage unless it’s caused by a sudden, accidental event.

👉 If rain enters your home because of:
• A worn-out roof
• Cracked seals around windows or doors
• Poor drainage or clogged gutters

…it’s considered a maintenance issue, not an insurable loss.

🛑 On the other hand, if rain gets in because of storm damage — like a fallen tree breaking a window or wind damaging your roof — that’s typically covered.

✅ Tips to protect your home and your coverage:
✔️ Regularly inspect and maintain your roof, gutters, and seals
✔️ Ask your agent about extra coverage options like flood or sewer backup insurance
✔️ Document and report any storm damage right away

Have questions about what’s covered or not? We’re here to help you make sense of it before the next storm hits. 🌧️

📞 Cheyenna (316)245-9489 or Tiffany (316)347-6052