Insurance Policy
What's actually covered in your policy?
Most people discover the exclusions when they try to file a claim — which is too late. Scan your policy free to see what's covered (and what isn't) before deciding whether to pay for the full breakdown.
Here's what we typically find in a insurance policy
Flood damage is explicitly excluded
Water damage from any external flooding — including storm surge and overflowing drains — is not covered under this policy. Separate flood insurance is required.
$2,500 deductible applies per incident
You pay the first $2,500 of every covered claim before the insurer contributes anything.
Insurer may cancel with 30 days notice after a claim
Filing more than one claim in a 36-month period gives the insurer the right to non-renew your policy at the next renewal date.
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What we look for
Coverage exclusions
The specific scenarios your policy won't cover — floods, earthquakes, pre-existing conditions, or specific activities.
Deductible and co-pays
The exact amount you pay out-of-pocket before coverage kicks in, and co-insurance percentages after that.
Coverage limits
Per-incident and annual maximum payouts — which may be far lower than you assume.
Claims procedure
Exact deadlines to report incidents, required documentation, and who you must notify first.
Subrogation clause
Allows your insurer to sue a third party in your name to recover what they paid — which can affect your settlements.
Cancellation triggers
Conditions that allow the insurer to cancel or non-renew your policy — including missed payments and claims history.
Common questions
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