What type of insurance is needed when a severe rainstorm causes structural damage?

When facing structural damage from a severe rainstorm, the most applicable type of insurance is builders risk. This insurance is specifically designed to cover buildings under construction or renovation. It protects against risks such as damage from severe weather conditions, theft, vandalism, and other potential hazards that can occur during the building process.

In the context of a rainstorm causing structural damage, builders risk would cover the cost of repairs to the structure that was either damaged or compromised during the storm, ensuring that the investment in the construction project is safeguarded.

While property damage insurance could seem relevant, it typically covers damages that occur after a property has been completed and is not applicable during the construction phase. General liability insurance covers a wider variety of liability claims but does not specifically address the risk of damage to structures undergoing construction. Soil erosion insurance, although important in certain contexts, pertains to issues related to soil quality and contamination rather than structural damage from immediate weather events.