Does Home Insurance Cover Rain Damage? 
Yes and no ! The typical multi-peril homeowners policy water covers damage caused by rain under specific circumstances such as water windblown thru the roof shingles or a hole in the wall or roof caused by lightning . However if it rains to the degree that water collects on the ground and enter your home thru doors or windows , the homeowners policy does not cover it . That would require a flood insurance policy . If it rains and your sump pump fails and water fills your basement , most homeowners policies will NOT cover the loss , though many companies offers optional sump pump failure coverage . Consult your insurance professional for the details that apply in your state . 