Take this to your next policy review
Insurance Discussion Worksheet
Use these questions when speaking with your insurer or licensed insurance representative. Record the answers, limits, exclusions and follow-up items so you know what your policy actually provides.
What events are covered?
How would a major building loss be settled?
What deductibles apply?
What internal water losses are covered?
Do I have sewer-backup coverage?
Do I have overland-flood coverage?
What happens during an absence or vacancy?
Is freeze-related damage covered?
What additional living expenses are available?
Are my belongings adequately covered?
Is a home-based business covered?
Are protective measures recognized?
What is maintenance versus insured damage?
What should I do after a loss?
When should I review the policy?
Keep this worksheet with your policy documents. Confirm coverage
and exclusions against the actual policy wording.
Continue your home protection review
Use the assessment to identify questions worth discussing with a qualified representative.