You have a right to know what is covered (or could be covered) on your insurance for the future.
Through an endorsement, find out if you would have been eligible for coverage for this kind of damage.9 Additionally, you might want to determine why you did not have it.
You can switch insurers if you can get it elsewhere.
Get a second opinion from a licensed professional or consumer advocacy group who is familiar with insurance in your area if you believe that your coverage should have applied or that something is wrong.
Your insurance agency may likewise have an ombudsman that can assist with checking on your record. You can also complain or get advice from your state insurance commissioner.
Keep track of the repairs you’ve made and the help you’ve hired to keep your home in good repair. In the event of a defeat, having this will be helpful.
Make sure you are familiar with all of your policy’s coverages. Be familiar with the exclusions and your responsibilities as a homeowner.
