Lightning wrote:From what I understand, the ins company has to pay the claim unless you burned the house down on purpose. This whole issue was brought up on another thread where a poster in the insurance field commented.
But I'm sure they could give you a hard time about it if they wanted to..
Yup! A lot is covered, but some you have to fight for that after the fact. Happened to a neighbor two doors over.
Their carriage house entire roof collapsed in from excessive snow that winter. Their insurance company told them it was not covered.
The neighbor who lives in between us is an independent insurance agent, but not a rep with that insurance company. He looked over the policy and sure enough, it was covered. He called the company and went to bat for the carriage house owner.
If the carriage house owner had just taken the insurance company at their word, he'd have gotten nothing. Thanks to the insurance agent neighbor stepping in, he got a new roof.