Homeowners Insurance

Termite damage is almost never covered — it’s treated as preventable.

HVAC is covered for fire, lightning, and theft — not mechanical breakdown or age.

Full roof replacement is covered for major covered-peril damage — but ACV vs RCV decides the payout.

Storm-caused roof leaks are covered; leaks from age, wear, or neglect are not.

Sudden water damage like a burst pipe is covered; flooding, backups, and slow leaks are not.

Mold is covered only when a covered peril causes it — usually capped at $1,000–$10,000.

The six coverages in a standard homeowners policy — and the gaps that catch people out.