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What Is NOT Covered By Your Homeowners Insurance 

Homeowners insurance does not cover everything. While each home insurance policy is different, there are certain types of damage that are usually NEVER covered by your standard policy. They include:

  1. Normal Wear and Tear 
  2. Cracking and Settling
  3. Intentional Damage
  4. Mysterious Disappearance (not the same as theft)
  5. Pollutants
  6. War
  7. Damage by Government
  8. Vandalism on Vacant Property
  9. Snow on Outdoor Property
  10. Birds, Vermin, Insects
  11. Power Interruptions
  12. Vacant Home and Freezing
  13. Nuclear Hazard
  14. Flood (separate policy)
  15. Earthquake (separate policy)

The biggest type of damage that trip homeowners up is wear and tear. Generally, damage that happens slowly, over time is never covered. The damage needs to be sudden and have a definitive cause to be considered by your home insurance adjuster. If the cause of damage is not on the list above, you may not be out of the woods. Here are other reasons a home insurance claim could get denied so you can better understand if you should file.

When in doubt, get advice directly from a licensed insurance professional. Hope that helps!

At your service,
Young Alfred