Although homeowners insurance usually includes mat as part of their policy, that is usually not often the case. There are a few reasons why homeowners insurance policy might not be always a rain-insurance policy.
Rain damage is covered by homeowner’s insurance policies based upon the cause. In general, the rain-related damage that is because of negligence on the homeowner’s end will generally not be protected. Insurance will also not normally cover any damage sustained over a long period of time , even if the result of one particular event.
But, a typical policy typically covers events that cause rain to enter your home due to high wind or falling trees onto your roof during the storm, allowing flooding through the crack.
The only way to make certain of what types of storm damage homeowners insurance is to review the policy thoroughly. Make sure you read all of the policy prior to you sign up. If you don’t, you could be confronted with a nasty surprise afterward.