Insurance policies are written contracts that have limitations when covering the cost of damages sustained to the interior of a property. A storm-created opening is term often used by insurance companies to describe an opening created by a storm on the exterior of a property that allows rain to fall inside and cause interior water damage.
On the other hand, wind-driven rain occurs when rainwater manages to make its way inside a property, but not through an opening caused by the storm. Most insurance companies will only cover interior damage to property if it results from a storm-created opening. Some insurance companies will wrongfully state that interior water damage was caused by wind-driven rain to avoid paying claims.