The purpose of a policy on hour home and other structures on your land
is to cover catastrophic loss. Examples: Fire, a large tree falling
on your home, destruction from earthquake, tornado, (your roof blowing
off) ... that sort of thing. If bad luck has made your house
uninhabitable, then you should probably file a claim. You do not file
a claim when Johnny breaks a window with a baseball, or any other
little piddly thing. Your ham hobby doesn't count 95% of the time.
But there are many folks who don't understand insurance, and think
it's a money pot for funding home improvements and get angry when
they're told no, a broken window doesn't mean Insurance pays for all
new windows all over your home.
73
Rob
K5UJ
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