Hello all,

Question for anyone who has any experience with a standard Farmers homeowners policy in Olahoma ,  i assume it is special form, not Protector Plus.  Could you tell me if  drywall damage would be covered if there is no visible outward signs of a leak?     For those not familiar with weather in Oklahoma this year - the rain amounts have been unusually high

I actually do work for another vendor and carrier, and we do cover it in most cases,  but this question is regarding a family member with Farmers.     The roof is old and worn out.  With my carrier, i would typically cover it, note the old, worn out roof and possibly send a risk advice for UW, but ultimately the damage from the leak would be covered.    Farmers says no dice,  and since i am the adjuster in the family, i get bombarded with questions when there is a storm

Thanks in advance for any input

Doug

Did OK have a form that had roof covarage not subject to RCC or just ACV a while back ?

In 96 Mississippi HO-3 excluded from coverage aluminum carports or patio covers for wind/hail is that still around?

Now look this one up in any state. Please find the building over water exclusion in the HO-3

As a Farmers Cat Rep I can tell you that wind driven rain is excluded under all Farmers Policies/Endorsements.  Farmers has very little coverage for water damage to a home.