• Post last modified:October 5, 2020
  • Post category:Homeowners Insurance

While your typical CT homeowners insurance policy covers you for major losses and/or liabilities incurred in your home, or to the home itself, there remains some instances and items that will not be covered under your policy, depending on how the damage was inflicted, aside from the four previously mentioned yesterday.

Under most of the usual circumstances that can cause significant damage or loss to your home, like lightning strikes, fires,or the occasional tree falling through your living room, your policy will cover you for the cost of fixing or replacing what needs to be fixed or replaced. However there are some scenarios that will negate your coverage, so you should know what to look out for:

1. A total rebuild – Most insurance policies have a cap that may not cover a complete cost of rebuilding your home. So make sure you know the exact amount of coverage you have available.

2. Burst pipes – If these pipes burst because of your negligence, they cost to fix them and repair any damage they caused will not be covered by your CT homeowners insurance policy.  If they burst due to cold temperatures resulting from a loss of electricity to warm your home, then that’s a different story.

3. Required upgrades – If new laws require updates in undamaged parts of the home, your insurance policy will more than likely not cover the cost of the fixing process.  If you’re especially worried that this scenario may happen to you, look into “ordinance or law” coverage.

Hopefully these few issues that are not covered under CT homeowners insurance won’t affect you.  In order to hedge against these issues, make sure you have the best coverage possible, and there’s no better place to get a policy in Connecticut than Paradiso Insurance!