| Painful as it may seem, some folks only discover that | | | | floor isn't covered. This is because this is NOT |
| their homeowners' insurance policy does NOT really | | | | considered a sudden occurrence but something due |
| cover everything they thought it did. It's certainly a | | | | to poor maintenance. But what about case NO.2 |
| great idea to check and ask what precisely is | | | | above? Well, that how these things are -- That's the |
| covered and what's NOT. Let's discuss a few things | | | | much I can say. |
| that are and are NOT covered... | | | | There are other funny clauses that are rather |
| 1. Damage caused by flooding is NOT covered by | | | | confusing. For some of them you're covered while |
| your standard home insurance policy. But isn't it | | | | for others, you aren't. The worst part of it all is that |
| water damage? Although it is, insurance companies | | | | it's not something you can guess. Because the |
| generally do NOT provide coverage for this in your | | | | reasons for which one case might be covered and |
| policy. You have to buy flood insurance from the | | | | another NOT covered can be nothing short of |
| government. That's the only way you can be | | | | ridiculous. |
| covered. | | | | Therefore, the responsibility is entirely yours to |
| 2. On the other hand, damage caused by your | | | | ensure you find out which situations are covered and |
| bathtub overflowing is covered by a standard | | | | which are NOT. Bear in mind also that every step |
| homeowner insurance policy. Funny enough, it does | | | | you take towards protecting your home from water |
| NOT even matter if your bath tub overflowed | | | | damage (the types covered by your policy) will |
| because you forgot to turn off the faucet. | | | | actually go a long way towards reducing your home |
| 3. Damage caused by water seeping through the | | | | insurance rate. |