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Is wind-driven rain excluded from ABC Insurance Co's South Carolina homeowners program?

Wind-driven rain damage to the interior is generally excluded, subject to one narrow exception.

Program

ABC Insurance Co · South Carolina Homeowners

Form

Special Provisions – SC

Amends

HO 00 03 · Section I Exclusions

“Rain, snow, sleet, sand, or dust to the interior of a building unless a covered peril first damages the building causing an opening in a roof or wall and the rain, snow, sleet, sand, or dust enters through this opening.”

• Not covered: rain through an intact envelope, such as window seams, siding or unbreached roofing.
• Exception: a covered peril, most commonly wind or hail, first opens the roof or wall.