Is water leaks covered by rental insurance for storage units? 
Typically mold is not covered since mold is produced by continual water penetration that is either undetected or ignored . When water damage is covered on a policy , it is usually only covered if the original cause of loss is covered . You state you were told the original cause of loss was wind damage . If the water damage occurred at the same time , and was a factor of the wind damage -LRB- both happened during the same storm -RRB- , then depending on the type of policy you have -LRB- not the insurance carrier , but the actual policy -RRB- , you may have coverage . There are two types of policies - Open Peril and Named Peril . This is the first item you need to know about the policy you hold . On an Open Peril policy , all perils -LRB- specific cause of loss -RRB- are covered unless they are specifically excluded . On a Named Peril policy , all perils are excluded unless they are specifically listed as covered . On most policies , water damage is listed as excluded , unless specific conditions are met . For example , the policies my company writes in my area covers for `` accidental direct , distinct and demonstrable physical water damage of covered property from direct contact with water , but only if the water results from : '' and then goes on to list what conditions need to be present . In my opinion , unless the water damage was specifically caused by wind damage , and both losses were reported at the same time , you might not have coverage for these items . And most likely not the mold damage regardless of the cause . 