Homeowners Insurance

Sudden ice-dam damage is usually covered; long-term neglect is not.

Tornado wind damage is covered; flooding from the same storm is not.

Replacement cost pays to buy new; ACV pays depreciated value — RCV is usually worth it.

Rooftop solar panels are usually covered under dwelling coverage — raise your limit for their value.

A pool is usually covered as ‘other structures’ with liability — but raises your risk.

Hurricane wind is covered (with a hurricane deductible); flooding and surge need flood insurance.

Wind is covered, though coastal states may apply a separate wind/hurricane deductible.

Lightning is a covered peril — fire and surge-fried electronics are covered.

Smoke damage from a covered fire or wildfire is covered — but not gradual cigarette buildup.

Fire is a covered peril — homeowners insurance pays to rebuild and replace belongings, plus living costs.