Home insurance is designed to protect your home from many different hazards. But like most insurance, it has exceptions, things that it won’t cover. Some of them may surprise you if you haven’t read your home insurance policy. In Kannapolis, NC, Pethel Insurance Group is your local independent insurance agent. Independent insurance agents are not like captive agents, they can offer you more than one insurance carrier, which means you have more choices and a better chance of getting the perfect fit.
When the earth moves and damage results, the damage will not be covered. This includes earthquakes, sinkholes, and landslides. You can buy an endorsement to cover this type of damage if you are concerned it might happen to you.
Floods cause a lot of damage and flooding can lead to mold and other problems if the water sits and the weather is warm. Floods and mudflow are not covered by traditional home insurance. You can purchase dedicated flood insurance as long as you are in a community that participates in the National Flood Management Program.
Water damage can happen from other things besides flooding. If you have a sump pump and it backs up or you have a sewer backup into your home, it won’t be covered by your home insurance.
Your insurance company expects you to maintain your home. If there is a danger of your house is infested with termites or other bugs, it is up to you to get your home treated and to maintain the treatment. If things just wear out, like your roof or your furnace, they are not covered by home insurance. If a tree dies and then falls on your home, you could be out of luck.
Contact Pethel Insurance Group in Kannapolis, NC when you need to update your home insurance.