<prompt> Human: We received no flooding in our house, thankfully, but we received rain and windstorm damage with water causing a corner of a ceiling to break open and water dripping to the carpet and surrounding dry wall. I have already filed for FEMA. They said to file with homeowners insurance. The homeowners insurance has a clause that states specifically We do not cover loss caused by windstorm, hurricane, or hail to the inside of a building or personal property contained in a building unless direct force of wind or hail makes an opening in a roof or wall and rain, snow, sand, or dust enters through this opening and causes the damage. There is no coverage against mold either and it is growing...Should I still file a claim? With the likelihood of being denied, is there a way to expedite the denial to give to FEMA?  <response>: File. FEMA is going to want you to be denied before they qualify you. 