A windstorm that leads to interior damage of a home would only be covered if what condition is met?

For a windstorm to lead to coverage for interior damage in a home, it is essential that the windstorm first creates openings in the walls or roof. This condition is crucial because insurance policies often include a requirement that an event leading to interior damage must also cause physical damage to the structure that allows other elements—like rain or debris—to enter.

If the windstorm creates openings, it means that there is a pathway for water or other damaging elements to infiltrate the home and cause further damage to the interiors, which is what triggers coverage under typical homeowner’s insurance policies. Without such openings, the interior damage may not be considered a direct result of the windstorm, thereby leaving such damage uncovered under the terms of many insurance contracts.

The other choices do not align with the requirements commonly set forth in insurance policies regarding coverage for related damage. Simply having a roof that leaks due to wind without prior damage may not establish a claim. An aged home does not necessarily relate to how a windstorm affects it in terms of coverage. Lastly, while a hailstorm coinciding with a windstorm may cause combined damage, it does not inherently establish the condition necessary for coverage of interior damage linked to the windstorm alone.