While we can't guarantee a safe home all the time from impending disasters, many try to safeguard or proof their homes from calamities with an insurance policy.
Although insurance is a guaranteed help and security in times of calamities, there are exceptions to the rules and some incidents are not covered by providers. Realtor provides a list of some minor damages that can and cannot be covered by insurance providers.
1. "Zapped" off gadgets and home equipments
Billy Van Jura, owner of Birchyard, advised in the article that this type of incident is still determined on what is the possible cause of the power surge.
"Power surges are considered to be a normal event and a faulty power line is often viewed as the responsibility of the utility provider but since a lightning strike is viewed as "an act of God," the gadgets and appliances would most likely be covered in that case,Van Jura said.
2. Pet-related Damages
Whether it'll be your dog scratching off your new leather sofa or gnawing in your wooden stairs, pet-related damages aren't easy matters settled from home insurances but Van Jura has an exception, "However, if your dog runs through the sliding glass door or a window and does damage, a home insurance policy may cover that."
3. Spoiled Goods
Home insurance policy holders might not be aware of this but spoiled foods placed on refrigerators like meats or dairies can be covered by insurance if you have applied for a "refrigerated property" coverage.
The add-on reportedly costs $20 per year with a cap of $200 to $500.
4. Home Upgrades
Home insurance may only shoulder 10% of the total cost of these needed home upgrades if these are advised by your code inspection officers.
5. Wild Animal Damage
Wild animals that damage our homes also do not make the cut of approval for our insurance benefits. Meanwhile, Van Jura reports some instances that our insurances may consider, "If a deer crashes through a door or window, a raccoon makes a mess in the attic, or another nonrodent animal wreaks havoc on your home, that claim should be covered."
