Our insured on an HO-3 had a loss last year when wind-driven rain entered the foyer of his house. The foyer is two-story with glass up to the second story. The adjuster paid for the first loss, but did not pay for replacement of the front door, which was included in the contractor's specs for repair.

The adjuster told the insured that if any additional damage became apparent after the dry-out, the insurer would consider those items at that time.

We have recently had another storm that drove rain against the same side of the dwelling, and again rain came into the foyer at the same place. The adjuster confirms coverage, but says that this is a separate incident and therefore another deductible applies.