What is required for coverage of inside damage in a windstorm and falling object scenario?

For coverage of inside damage in a windstorm and falling object scenario, it is necessary that outside damage occurs first. This is because most property insurance policies generally stipulate that for interior damage to be covered, there needs to be a direct link to external damage. For example, if a falling tree limb damages the roof of a house, that external damage must occur before any interior damage, such as rain entering through the damaged roof, can be considered valid for coverage.

The rationale here is to ensure that there's a tangible cause (the external damage) that leads to the resulting internal damage. If there were no outside damage first, the insurance policy may not recognize the claim as it would not fit within the conditions outlined for coverage in such scenarios. Thus, having that outside damage is crucial to validate the claim for any subsequent internal damage due to wind or falling objects.