I have a water leak that is in my storage unit. I was told find out where it was coming from, I sent pictures of tears in the protective lining inside the unit along with pictures of clothing and other items that got wet. I have had the unit for almost a year and do not know how long this was happening , because of items being wet then dry I have mold and mildew. I have usaa and storage comes along with policy. Are my items covered? I was told my coverage is for wind and hail( property).; property manager states unit had wind damages. My storage unit roof was leaking not my house. I’m getting conflicting information from the adjuster,ie. mold is not covered. Can you help figure this out?
Is water leaks covered by rental insurance for storage units?
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There are two types of policies - Open Peril and Named Peril. This is the first item you need to know about the policy you hold. On an Open Peril policy, all perils (specific cause of loss) are covered unless they are specifically excluded. On a Named Peril policy, all perils are excluded unless they are specifically listed as covered. On most policies, water damage is listed as excluded, unless specific conditions are met. For example, the policies my company writes in my area covers for "accidental direct, distinct and demonstrable physical water damage of covered property from direct contact with water, but only if the water results from:" and then goes on to list what conditions need to be present.
In my opinion, unless the water damage was specifically caused by wind damage, and both losses were reported at the same time, you might not have coverage for these items. And most likely not the mold damage regardless of the cause.