Owning a home comes with many challenges and surprises. One of them could be the things your home insurance doesn’t cover. Nothing is worse than having an issue and finding out your policy will not cover it. At Grove Financial & Associates Inc. in Mechanicsburg, PA, we try to ensure our customers don’t get any unpleasant surprises from their home insurance.
Flooding
Flooding is one of the most destructive natural disasters, and it is not covered by home insurance. Even one inch of water in a home can cause thousands of dollars of damage. The good news is that if you live in an area where flooding is possible, you can get dedicated flood insurance through the NFIP.
Wear and tear
Things wear out, and that is to be expected. But, your home insurance does not cover natural aging out of products. If your roof is 20 years old, home insurance won’t pay for a new one unless it gets damaged by a storm or high wind.
Sewer backup
Sewer backup is disgusting, and if that isn’t bad enough, your home insurance won’t pay for the clean out of the pipes and the cleanup. You can, however, add a rider to your policy.
Pests
Pests include quite a few different pests. They can be termites, carpenter ants, mice, or bats. No matter what type of pests you have, it is up to you to treat your home so that you don’t end up with an infestation. So, if you live in an area prone to termites, getting treatment is on you before you have issues.
When you are ready to discuss home insurance, call our Grove Financial & Associates Inc. team in Mechanicsburg, PA, to discuss your needs.
