Home Insurance – What it doesn’t cover
A standard homeowner’s policy has exclusions, including earth movements (landslides, earthquakes, sinkholes), power failure, war, nuclear hazard, government action, faulty zoning, bad repair or workmanship, defective maintenance, and flooding. Windstorms are typically covered, including tornadoes, but may be excluded in some high-risk areas.
Water damage can be tricky. Water from above (rainwater or a burst pipe in an upstairs apartment) is typically covered, but water from below (backed-up sewers or ground flooding) generally isn’t covered unless you have added Water Backup coverage. If you live in an area that is prone to floods and earthquakes, it’s a good idea to consider supplemental coverage.
Other issues that are generally not covered losses include termites or vermin (such as squirrels) causing physical damage. Normal wear and tear is not covered, but typically these situations are covered if you have a home warranty.
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Actual coverage is subject to the policy as written.