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LOCAL RECORDS OFFICE – Homeowners insurance is something we don’t talk about enough. Peter Franker parents had just bought the house they’d always wanted in California. One day while they were out, a lamp overheated starting a fire. The blaze heavily damaged the inside and killed the couple’s pet cockatiel. Luckily, Franker’s parents had insurance. The company paid a contractor to repair the fire damage. While working on the house the contractor caused a major flood, which led to black mold.

But the insurance company balked when Franker’s parents tried to get them to pay for the additional damage. The company said it would pay less than the estimate. The situation proved stressful. Franker’s parents couldn’t sleep. In the end, they were forced to hire a public adjustor to help them negotiate a settlement says, Local Records Office.

The situation is all too common. Although insurance is essential when owning a home, it doesn’t cover everything. Most of us aren’t insurance experts and sometimes we don’t know enough to ask the right questions. And let’s face it, who even reads the policy itself?

READ MORE: Real Estate: Perks of Buying Apartment Buildings – Local Records Office

5 Things Homeowners Insurance Won’t Cover - Local Records Office

5 Things Homeowners Insurance Won’t Cover - Local Records Office

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