Would wind driven rain be excluded if it occurred over an eight-year period but the insured could not see the damage? Part of the original causation may have been due to improper chimney flashing.

Arizona Subscriber

While there is an exception for mold hidden behind walls, that exception applies only when the water is caused by a plumbing, heating, air conditioning system, sprinkler system or household appliance, or a storm drain or water, steam/sewer pipes off the premises. The endorsement removes that and in its place excludes water caused by repeated seepage or leakage. Wind driven rain really is not repeated leakage or seepage—it is forced in by the wind. Wind driven rain is excluded in the exclusions part of the policy, under the water exclusion. There is no coverage for this loss.