I am a NY Public Adjuster with a question concerning an ongoing claim. The insured has an HO 3 policy, and wind-driven rain entered the home damaging ceiling and walls in a few rooms. There are no exterior damages caused by the wind and I am claiming damage to the interior sheetrock, insulation etc. under the All Risk Portion of the policy. No personal property was damaged. Our policy has a $9,000.00 wind and hail deductible (not hurricane) and the adjuster is stating that since this is a wind event the wind-driven rain would trigger the deductible. I am disputing that, stating that since the wind did not cause any exterior damages that the wind deductible should not apply. Your thoughts would be appreciated.
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