What It Is:

Coverage triggers when rainfall exceeds a defined threshold (for example, more than 3 inches in 24 hours) at your insured location. Excessive rain events can overwhelm drainage, flood low-lying areas, and damage landscaping, irrigation, and exterior property features.

Trending Data:

NOAA and regional climate reports show that extreme rainfall events are becoming more frequent and intense due to shifting climate patterns. In recent years, heavy downpours have caused billions in flood-related losses for outdoor spaces, facilities, and commercial assets.

Impact on Outdoor Spaces:

• Flooding and pooling water on turf, sports fields, and landscaping.
• Soil erosion and loss of newly planted vegetation.
• Damage to irrigation systems, drainage lines, and outdoor equipment.
• Increased maintenance, cleanup, and repair costs for communal areas, campuses, and recreational facilities.

How the Trigger Works:

When rainfall surpasses the set threshold and the event is verified by trusted weather data, you submit a simple claim. No damage inspection is needed — just verification and payout.