I was startled to discover that there are two items that all home insurers will not cover which could add up to big dollars. Not completely convinced that I was correct I then asked a good friend of mine who is in the business and he was startled too! How did these get by me and possibly you too. The first item is "Squirrel" damage. Let's say you leave for an extended period of time and while you are away a squirrel manages to get into your home. Can you imagine the damage that little critter will do trying to find his way out. Insurance companies will not cover for the little beasts who have a one way ticket to destruction in your home. Now the odds of this happening are very very slight, but nonetheless Squirrels are not covered.
The next item is interesting. If you have an ice maker in your refrigerator chances are the line that feeds that ice maker is plastic. If it leaks it is generally a slow leak which left unchecked, could cause damage your floor under the refrigerator before you notice it. This is not covered under all insurance policies. A good idea is to replace that plastic tubing every 8-10 years. If you have copper you're in good shape, but it is worth an inspection from time to time.
Squirrels and ice makers now have something in common.
The next item is interesting. If you have an ice maker in your refrigerator chances are the line that feeds that ice maker is plastic. If it leaks it is generally a slow leak which left unchecked, could cause damage your floor under the refrigerator before you notice it. This is not covered under all insurance policies. A good idea is to replace that plastic tubing every 8-10 years. If you have copper you're in good shape, but it is worth an inspection from time to time.
Squirrels and ice makers now have something in common.
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