Our insured recently suffered water damage to the contents of his home. He was in the process of remodeling and the contractor had removed a part of the roof and replaced it with a plastic sheet, which he nailed down and upon which he placed weights. During a storm, high winds ripped the plastic sheeting, allowing rain to enter and do extensive damage.

The insurer is denying coverage under the HO 00 03 05 01 based on the exclusion for loss caused by rain to property in a building, unless the "direct force of wind or hail damages the building causing an opening in a roof or wall." The company states that the plastic sheeting does not constitute a "roof."

Is the insurer correct?