An insured with a Cause of Loss – Special Form, CP 10 30 04 02, sustained damage to the insured building caused by heavy rain that caused rain water to flow from the roof into the interior walls resulting in damage to the walls and causing mold to form inside the walls. There was no other damage to the roof or walls of the building. Will this water damage caused by the rain be insured?

New York Subscriber

The CP 10 30 contains a limitation stating that loss or damage to the interior of any building or structure caused by or resulting from rain is not covered unless the building first sustains damage by a covered cause of loss to the roof or walls through which the rain enters. Since in the situation you describe there was no damage to the roof or walls, the water damage caused by the rain would not be covered.