Protecting Yourself From Uninsured Home Damage

Protecting Yourself From Uninsured Home Damage


When it comes to your home and its contents, you want to make sure that you are covered in the event of an accident. However, homeowners insurance policies may not cover everything. It is important to understand what your policy covers and what it does not cover in order to protect yourself from any uninsured damage.

Common Exclusions on Homeowner’s Insurance Policies

Most homeowner’s insurance policies will cover typical accidents such as fire, lightning, explosion, theft and vandalism. However, there are certain situations that are not covered by these policies. The most common exclusions include floods, earthquakes, war damages and nuclear accidents. If you live in an area where these events are more likely to occur, then you may need to purchase additional coverage for your home and its contents.

Another thing to consider is whether or not the policy covers damage caused by poor maintenance or negligence. Most standard policies will not pay for any damages caused by lack of upkeep or carelessness. For example, if a tree falls on your roof due to poor maintenance then you would be liable for the cost of repairs rather than relying on your homeowner’s insurance policy.

In addition to natural disasters and negligence, certain items may be excluded from coverage under a homeowners insurance policy as well. Items such as jewelry, antiques and artwork can be difficult to replace if they are damaged or stolen so it is important that you have a separate policy in place for those items specifically tailored towards their value and rarity.


It is essential that all homeowners understand what their insurance policy covers so they can protect themselves from any uninsured damage or loss of property due to a natural disaster or negligence. If you have any questions about what is covered under your homeowner's insurance policy, then contact Ultra Property Damage today for professional public claims adjuster services in Central Florida! With the help of our experienced team of professionals, we can help ensure that you get the compensation you deserve for any uninsured damage done to your home or its contents!

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