We could go on and on about what is or isn’t covered in a homeowner’s insurance policy, but the bottom line is that if the damage was caused by an event, there’s a good chance that it’s covered.
Furthermore, much of what you expect to be covered by homeowner’s insurance is actually a maintenance issue and not covered at all. This includes mold, or leaky windows, or a 20-year-old leaking roof. None of those issues are caused by a specific event, and as such, they’re not covered by homeowner’s insurance.
If you have a pool cover that’s simply deteriorated over time, your policy won’t cover it. But if a strong gust of wind threw something into your pool, tearing a hole through your pool cover, scratching the tiles, and damaging the plumbing, then this damage will likely be event.
Of course, while this is a great guideline to base any questions off of, it is – after all – just a guideline. If you have any specific questions about what your homeowner’s insurance will or will not cover, then feel free to contact us.
Hensley Insurance is your friendly west side insurance agency. We do the shopping for you and customize your policy to fit your needs.
Give us a call at 316-721-1800!
The Hensley Office is just 100 feet south of the intersection of 29th St N. and N. Ridge Road. Look for the cute little house on the East side of the road. Stop by and see us!