Expert Tips & Solutions
Have you read your homeowners policy?
You accepted and were bound by the terms in your policy the day you bought it.
In return you got a summary with your limits and you felt protected. You get a new summary every time you renew but you have probably never seen your full policy. The truth is they don't want you to see it.
The typical homeowners policy, more than 50 pages, is a legal agreement between the Insurer and the Insured.
It defines what's covered, what's never covered, what might be covered depending on the weather and what they won't cover if you fail to protect it, which you are legally obligated to do.
In fact there is a long list of your legal obligations that an adjuster can use to deny coverage.
If you don't do anything else after visiting my website, call your insurance company and insist they send you a copy of your entire homeowners policy.