Home Insurance

A burglary cleaned out $9,200 in jewelry from Lauren Castillo's bedroom dresser. Her $250,000 homeowners policy paid only $1,500 because of a sublimit she had never read.

Aisha's insurer paid for the kitchen fire damage. The city required her entire 1962 colonial brought up to current code. The $87,400 gap was hers to absorb.

Carmen Ortiz expected to pay her $2,500 homeowner deductible on a $58,000 hail roof claim. Her policy carried a 2% wind and hail deductible on her $420,000 dwelling limit, so her out-of-pocket was $8,400. Percentage deductibles for wind and hail are a separate line most homeowners never read.

Layla Hassan's plumber pulled a 14-foot section of cracked cast iron from her front lawn and quoted $14,200 for the replacement. Her standard homeowners policy paid nothing on the buried line.

Marcus discovered black mold spreading across his basement drywall after a slow pipe leak. His remediation estimate was $18,400. His insurer paid $5,000.

A wind storm tore vinyl siding off the south wall of a couple's Indianapolis home. The insurer authorized one wall. Their color had been discontinued. Indiana's matching law turned a $4,800 partial repair into a $19,200 full replacement.

Her insurer paid for the temporary apartment, the higher restaurant bill, and the pet boarding for 11 months. By month 12 the rebuild was still six weeks out and the ALE clock had stopped.