Welcome to Atlantic Adjusting Co.’s blog, where we uncover the hidden truths behind homeowners’ insurance coverage. We understand the importance of being prepared for the unexpected and we help you protect your home, which is why we’re shedding light on six surprising exclusions that could leave you vulnerable. Let’s dive in:
1. Renovation Damage:
While home renovations can breathe new life into your space, they also come with risks. While minor upgrades may be covered by your homeowners’ insurance, major projects like roof replacements often require additional coverage. Our experts can help you assess your needs and secure the right protection for your investments.
2. Natural Disasters:
Flood Damage:
Water damage from floods can wreak havoc on your home and belongings, yet standard homeowners’ insurance policies typically exclude coverage for this peril. Protect yourself from financial ruin by investing in flood insurance through the National Flood Insurance Program. Don’t wait until disaster strikes—act now to safeguard your property.
Earthquake Damage:
Living in an earthquake-prone area? Don’t gamble with your home’s safety. Standard homeowners’ insurance policies typically do not cover earthquake damage, leaving you vulnerable to significant financial losses. Mitigate your risk by securing earthquake insurance to shield your home and assets from the unpredictable forces of nature.
3. Mold Damage:
Water intrusion is a breeding ground for mold, yet standard policies may not cover remediation costs. Stay proactive and address water issues promptly to prevent mold-related headaches down the line.
5. Sewer Damage:
Water intrusion is a common cause of mold growth, yet many homeowners are surprised to learn that mold remediation is often not covered by insurance. Address water issues promptly to prevent mold from taking hold in your home, and consider investing in additional coverage to protect your home against this insidious threat.
6. Running a Business from Home:
With the rise of remote work, many homeowners are operating businesses from the comfort of their own homes. However, standard homeowners’ insurance policies may not provide adequate coverage for in-home businesses. Protect your livelihood by securing business insurance tailored to your specific needs. Don’t leave your business vulnerable to unforeseen risks—ensure you have the right insurance coverage in place to protect your home.
Were You Left Vulnerable?
If you’ve experienced any of these unexpected events without proper insurance coverage, don’t despair. Atlantic Adjusting Co. is here to help. Our team of experienced adjusters specializes in navigating the complexities of insurance claims to ensure you receive the compensation you deserve. Whether you’re dealing with renovation damage, natural disasters, or other unforeseen challenges, we’re here to advocate for you every step of the way.
Contact Atlantic Adjusting Co. Today!
Don’t let hidden exclusions leave you exposed. Take control of your insurance protection with Atlantic Adjusting Co. Contact us today at (973) 731-7440 to learn more about our services and how we can assist you in securing the comprehensive coverage you need. Trust Atlantic Adjusting Co. to protect what matters most—your peace of mind.
Melissa Peña
Anthony Peña
Paul Peña
Daniela Pagliari