Q. What is not covered in the event of fire?

Arson damage to your house is not covered by your insurance. Arson insurance fraud is the act of intentionally setting fire to your property in order to get compensation from your insurance company. Arson is not covered by your insurance if the fire is determined to have been started by an arsonist.

In the event of a fire when your house is unoccupied, you will not be insured. If a house has been unoccupied for more than 30 days, it is considered empty by insurance carriers. However, if you expect to be away from your house for a lengthy period of time, there is a separate coverage that protects unoccupied residences.

Damages from storm

If a hurricane damages your house, you are likely protected under such circumstances:

• Lightning
• Windstorm
• Hail
• Fallen objects

In the event of a tornado, ice dams on your roof, or a falling tree on your property, your house will be insured. When it comes to storm damage, it may be difficult to know what is covered and what isn’t. Your home insurance will not cover flood damage, for example, if the river near your house floods as a result of severe rainfall. However, strong rains that cause a roof leak should be covered!