Your Home Insurance Might Not Cover All You Think It Does

When they go to file a claim, many homeowners are shocked to find out their policy excludes the type of damage they suffered. Will you be out of luck when you need help? Not if you know what specific coverage to ask for.

A couple hold buckets under a leak in their living room ceiling.
(Image credit: Getty Images)

Today’s story has the potential of saving you thousands of dollars, plus the cost of a hair transplant to replace all that you would have otherwise pulled out.

Property owners expect to be taken care by their homeowners or business insurance when a major loss occurs, and that’s what Southern California financial adviser “Jay” certainly expected in January of this year.

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H. Dennis Beaver, Esq.
Attorney at Law, Author of "You and the Law"

After attending Loyola University School of Law, H. Dennis Beaver joined California's Kern County District Attorney's Office, where he established a Consumer Fraud section. He is in the general practice of law and writes a syndicated newspaper column, "You and the Law." Through his column he offers readers in need of down-to-earth advice his help free of charge. "I know it sounds corny, but I just love to be able to use my education and experience to help, simply to help. When a reader contacts me, it is a gift."