Rain, Rain, Go Away: Protecting Your Home from Water Damage
Here in Florida, we know rainstorms aren’t just a seasonal occurrence—they’re part of life. And while we can’t control Mother Nature, we can take steps to protect our homes from water damage before the next downpour hits.
But here’s the catch: not all water damage is covered by your homeowners insurance. Let’s break down what you need to know and how you can stay ahead of the storm.
Is Water Damage Covered by Homeowners Insurance?
It depends on how the damage happens.
Typically covered: Sudden and accidental water damage—like a tree branch puncturing your roof during a storm, or wind-driven rain causing a leak.
Not covered: Flooding from rising water (you’ll need a separate flood insurance policy for that), or gradual damage from lack of maintenance (like a roof leak due to old shingles).
This is why regular maintenance and the right insurance coverage go hand in hand.
5 Ways to Protect Your Home from Rain Damage
Keep Your Gutters Clean
Clogged gutters can cause rainwater to pool and seep into your roof or foundation. Clean them out at least twice a year—and check that downspouts direct water away from your home.
Inspect Your Roof Regularly
Loose or missing shingles are an open invitation for leaks. After heavy storms, take a look (or hire a pro) to check for damage.
Seal Windows and Doors
Make sure all caulking and weatherstripping are in good shape to prevent water intrusion during sideways rain.
Check Your Landscaping
The ground should slope away from your home’s foundation. If water pools near your home, consider regrading or adding drainage solutions.
Consider Water Backup Coverage
Even with the best prep, sewer or sump pump backups can still happen. Ask us about adding water backup coverage to your policy for peace of mind.
What About Flooding?
Here’s the hard truth: standard homeowners insurance doesn’t cover flooding. With Florida’s frequent rain and unpredictable storms, even homes outside high-risk flood zones can experience flood damage.
We can help you review your options for flood insurance—because the best time to buy it is before the storm.
Let’s Review Your Coverage
Rain happens. Don’t let an uncovered claim be part of the storm. Call Wells Insurance Agency today at (904) 259-6296 or click here to request a policy review to make sure you’re ready for whatever the weather brings.