6 things home insurance won't cover

Your insurer won't take care of everything life throws at you and your house. If one of these happens to you, you're probably on your own.

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138Comments
Oct 25, 2013 7:23PM
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Insurance Has Turned into A Huge Scam For Us All..! The Laws Are Only On The Companies Side. Greed Has Taken Over This Business. This Concept Will Only Get Worse. My Home Was Severely Damaged Because Our Hot Water Heater Exploded. The Home Caught Fire and Filled with Smoke. Massive Hole in Floor.Furniture and Cloths Ruined. Insurance Adjuster is a real Jerk. I Have payed this company for 18 Years and never had A Claim until last week.? What A Shame..!! I Dont see how these Jerks Live with Theirselves...? They Should be Deported To a 3rd world Nation...! This Nation Is Becoming Weaker Everyday..!!! God Help Us..!!!
Oct 21, 2013 7:24PM
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This country kills home owners and small businesses.  Add up all our annual insurance, car, home, condo, fire, theft, liability, health, long term care, life, umbrella and now you know what they do with it...imagine if you could have invested it.
Oct 21, 2013 12:42PM
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I wonder when they will force everyone to carry home owners insurance, define the minimums the policies have to cover, not allow them to be sold across state lines, and subsidize those that make less that $45k per year?
Oct 18, 2013 8:42PM
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Maybe I shouldn't even have home insurance, premiums are getting very high and they want you to have large deductibles....which will pay for most minor damages....
Oct 21, 2013 3:08PM
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Sewer backups can be prevented by adding an sewer check valve which is often overlooked by homeowners.  They may be expensive to install in the first place, but once installed they can prevent very expensive damage to your home and belongings.

Oct 21, 2013 5:52PM
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Had a roof leak.  It damaged my floors, drywall, caused mold.  They wouldn't cover it, said it was due to lack of maintenance and neglect.  Fortunately, the damage was under $800.  Let that be a lesson to all you home owners out there, get up on your roof (if it's safe) and check it out.  Keep your valleys clean of debris.  Have your roof inspected once a year.   Just because you have insurance doesn't mean you're covered!
Oct 21, 2013 6:55PM
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Number 7.  Anything else they can figure a way to get out of paying.
Oct 21, 2013 2:23PM
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Does insurance cover anything? I'm sure it does, I've just yet to find something it does. it's a bit frustrating to know you've paid well over 300 thousand dollars in insurance over a lifetime, and yet get rejected every time I fill out any claims. Hmmm, I wonder what I could have done with $300,000? Donated it to charity? Naw, they don't need it. The CEO at the insurance company needs it for more than they do.
Oct 18, 2013 9:29PM
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can some one give info please IF some one dies in your home?

6 things home insurance won't cover . looks like number 7 if some one can help me. my dad past away 5 months ago in state pa .father past in his Owen home and was found 2 weeks later. the ins company covered clean up like 2/3 . than say about 200,000 dollars of my parents stuff was  all put in a 40 yarder and no even toke inventory of stuff no pics nothing . the cleaning crew was joke broke stuff lawn damage ect .the ins company will not even fix window where my father was taken out of house . paid his ins on time in full every year to just get screwed ????????? saying if house was say fire damage yes wind snow , I seem not to get no answers from ins company and I cant find a lawyer in such small town. so looks like if you die in your owen home ins will not cover you is this true. ins company will not send me a true copy to my dads ins and lawyer of estate has no copy so hows does the layer know whats covered. I fell like its small town and lawyer and ins company are doing fraud. mothers rings missing ect

Oct 21, 2013 1:20PM
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We all need homeowner's insurance but, with all the extra clauses included that will not cover a home from damage from other catastrophic conditions is one reason why insurance companies make the profits they can make. You have to take out other insurances to protect your home that you may never use. Just think, if you pay for a home and homeowners insurance after many years and something like a sink hole swallows up your home or a flood hits your home and anything else they do not cover and your screwed!!!!!
Oct 27, 2013 4:12PM
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I pay about three thousand and another two thousand in riders. I never put in a claim but thanks to my neighbors that live one mile from my property line who puts in claim after claim my premiums go up year after year.  

Oct 27, 2013 3:40PM
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....the problem with any ins today, is that you have to be a lawyer to comprehend any of it...and that is when you realize that the only real thing ins covers, is a plain ole house fire.....

Oct 21, 2013 6:25PM
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my homeowners head office insisted we needed flood insurance when they noticed our town is bordered by a river. The streets that run parallel to the river are numbered, starting with 1st Ave, and we live on 4th. Told them to check with the local office because maps don't show that there is a huge hill on which our town is built!! Even in 1972 when Hurrican Agnes came through and the river flooded way past flood stage, the water all went to the opposite side. Told them that if we got flooded by river water Noah had better be outside with his Ark!!! They finally believed me when they went to Google Earth maps!! lol

 

Oct 27, 2013 4:50PM
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Don't forget to add pollution to the list!  When US Drywall became hard to acquire in the early 2000s Chinese drywall was used in the construction of homes.  The Chinese drywall produced a toxic gas making homes inhabitable.  Homeowner's insurance would not cover the cost of remediation leaving homeowners to fend for themselves.  
Oct 27, 2013 9:43PM
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10+ years never a claim. Had hail damage and they wanted to pay out $120 after all deductions... They said that it is because my roof was old... So why does my insurance keep going up, been with them for a long time, if things depreciate, shouldn't my State Farm insurance also?

Yet, just another way someone sucks the life out of me.

Oct 27, 2013 5:08PM
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Well, I'm confused. When I replaced the flooring in my house I found out that my neighbor's tree roots had actually gone under my house and broken the foundation from side to side. Now the back of my house is sinking. I live near the beach, on sand and dirt. This does not make it easier. On top of that, my neighbor refused to cut back her trees on my side although she did cut them back on hers. Her reason? The birdies needed a place to sing. Her trees are actually closer to my house than to hers.

Now she has passed away and everything I find about whose responsibility it is to cut back trees is contradictory. Also, I don't have the money to cut back these trees which now tower over my roof and are starting to raise the rain gutters (I'm doing what I can to fix that but I'm disabled and it's very hard).

The damage is done. My floor (a concrete slab) is in two pieces. And I don't know what to do.

Oct 27, 2013 4:39PM
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My insurance covers wind, tornado, hurricane, fire and theft.  I do have a $2,500 deductible to keep my rates low. I do not have flood insurance since I'm no where near a flood zone. What I don't understand is that my insurance covers my furniture up $150,000 but I do not have that much  furniture since I live in a small house.  I asked them to lower that amount to  save on the premium and I was told that is the lowest based on the square feet. Seems to me if I want a reduced value on my contents then I should be able to have that.  I added earthquake insurance after the 2011 quake we had in VA. But it dose not cover the brick work.  So I guess if the whole house goes down then I will rebuild with vinyl siding. I have never had a claim in the 30 years I have owned my home.   Maybe I can use the furniture money to put toward the brick work.  I pay about $600.00 a year so I guess that is not too bad since it would cost about $200,0000 to rebuild my home.
Oct 27, 2013 4:05PM
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Are sinkholes in Pennsylvania due to coal mining?
Oct 27, 2013 3:43PM
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....plus that 17 trillion dollar deficit that has to be paid back sometime.....

Oct 27, 2013 7:33PM
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Having managed insurance AGENCIES for 40 plus years in Florida I have to say that more and more coverage is being exluded and limitations put on some coverage that in the past had no speial limit and deleting some coverage al together.  The insurance companies are supposed to advise you of any changes in coverage and/or limits when your policy renews.  HOWEVER, DO NOT BLAME THE INSURANCE COMPANY FOR ALL OF THE WRONG'S.  YOUR INSURANCE AGENT SHOULD MAKE SURE THAT YOU UNDERSTAND WHAT COVERAGE YOU HAVE.  When a person not famiiar with insurance it is not always easy to understand.  There are many things you should look for because companies show that you are covered for many things on one page BUT then they start listing the exlusions which sometimes are the same as what the other page shows you have.  A good agent will go over the policy forms with you when you first buy coverage.  They will show you the overage and limits for each that you have.  They should then go over to exclusions and show you where the coverage is taken away or limited.  This all depends on what county you live in. They use the same forms for all insured's with like coverage but then they add endorsements to the policy limiting or taking some of it away.For instance in Florida sink hole coverage was an automatic part of your policy.  Now in Florida many companies won't write sink hole coverage at all, or will limit the amount of coverage for that peril.  If they don't write coverage or limit it, they will add an extra endorsement to your policy telling you that but the average person will not understand it. When any changes are made on renewal that same AGENT should be responsible for letting you know that you no longer have the coverage or that it is limited. This is also very important with deductible changes.  Your agent carried Error's & Ommission coverage to cover them in the event there is a claim and they had not confirmed that change to you.  It is also used for other things.  The company is the writer of the policy BUT your agent should take care of your needs. The same goes for auto insurance.
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