Your home insurance policy may offer you a wide range of covered events, but it is not a comprehensive policy and, like anything, has its own set of exemptions. In order to understand the specific events that are not considered insurable incidents by your insurer, be sure to take a look at your policy. Following is a general list.- Flood Damage: Believe it or not, the damage caused by a flood is not covered in your home insurance policy. Even if the flood comes on the heels of a hurricane, if the damage is due to flood waters, your home insurance policy will not cover your claims. Instead, you must make sure that you have a flood insurance policy in place.
- Bed Bugs: Unfortunately those creepy creatures, the damage they cause and the expenses related to getting rid of them are not covered in your home insurance policy.
- Mold: While this isn’t the case in every single home insurance policy, many of them do not cover the damage associated with mold nor the expenses of treating it.
- Intentional Damages: If you damage your home while completing home renovations or if you intentionally damage your home in the hopes of getting paid from an insurance claim, then you will find that the damage is not covered. Remember, insurance is meant to make you whole after an unexpected insurable incident that was not your fault.
- War: Acts of war that cause damage to your home (including nuclear war or damage from wars fought on home territory) are not covered under home insurance policies.
Click here to continue reading "Miami Home Insurance – 9 General Exemptions" or contact us at 305-270-2100 to learn more.
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At Filer Insurance, Inc., we have been serving Miami and South Florida since 1919. We specialize in miami home insurance as well as miami car insurance, miami life insurance and miami business insurance. Please give us a call, visit our website or come by our office for a free Miami home insurance quote.
