Insurance Insights

by Dennis Spurlock

Homeowners insurance can often be complicated for the consumer to know and understand what is covered and what isn’t. In my 13 years of experience, the most common homeowners claim comes from water leaks inside the home. Slow leaks from pipes or appliances that are not found right away or from back up of water from drains are very common. Unfortunately, those two types of claims might be excluded on your home policy.

Each company has their own way of handling it, but as a consumer you should check with your agent if your policy covers this type of loss. It doesn’t cost much to add the coverage and can save you thousands if you ever have a claim. If you have questions we would be happy to help you read your policy and help you make sure you are covered.