What condition must be met for interior water damage coverage to apply under the TWIA 320 policy?

For interior water damage coverage to apply under the TWIA 320 policy, it is essential that a storm-created opening is present. This means that the water damage must result from rain or water entering through a breach in the structure that was caused directly by a storm, such as a hurricane or severe weather event. The policy is designed this way to limit coverage to damages that are the direct result of weather-related incidents, reinforcing the need for evidence of such an opening.

This requirement ensures that the insurance is providing coverage for situations directly related to storm conditions, rather than general maintenance issues or water damage from other sources. By specifying that a storm-created opening is necessary, the policy delineates the circumstances under which coverage is triggered, which helps maintain clarity and prevent potential disputes about the nature of the damages being claimed.