Even the most comprehensive insurance policies do not cover every possible mishap. Read your Policy and ask questions. Here are som major items that are not covered:
Flooding, even drain and sewer back ups, erosion, nuclear hazards, war or Government action, power failures, landslides, earthquakes and sinkholes. Damage from birds, vermin, mold or fungus. Some of these risks may be covered by purchasing an endorsement to the policy. Flood Insurance is a good example and homeowners are also advised to get windstorm insurance if located in an area susceptible to hurricanes.
