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Five Insurance Claims You Didn’t Know You Could Make

Posted by Joe Brennan | Posted in Homeowners Insurance, Insurance Advice | Posted on 10-03-2014


Homeowners Insurance ClaimsFive Insurance Claims You Didn’t Know You Could Make:

When it is time to renew or get a new policy for your home, there are many things that you will have to keep in mind, especially the parts that are not covered in the insurance policy. This is because most standard policies do not cover the most obvious of threats and damages. However, what about the things it covers? Are you well-informed on the extent of your home insurance cover?

Home insurance policies are tailored to your needs. Apart from the regular cover against theft and damage there are a few aspects that we tend to, or are unaware of, as items that can be insured. These items may be already covered by your existing insurance, but you may not be aware of them.

Claims you were unaware of

  1. Did you know that if your house has to be redesigned by breaking walls, the insurance company will cover the interior decorators charges? Interior design can be claimed if the house has to be restructured. This depends on the company you have a policy with and is on a case to case basis.
  2. If you are a culinary artist who loves to experiment with expensive ingredients in the kitchen, fret not because these expensive ingredients can be covered too provided that you do not run a food business. That would be under a business insurance policy. The bills of these expensive ingredients can be reimbursed. So put on your chef hat and roll out those dishes!
  3. Home security systems are covered by insurance. They are expensive to install so most of people shy away from investing in a modern high security system. Insurance companies encourage their customers to install a security system because it reduces the need to claim for items that get damaged or stolen.
  4. Identity is also insured. Identity theft and loses caused thereof can be claimed. Only a certain amount is covered though.
  5. The damages of unforeseen disasters like explosion by gas leak can also be claimed. The money covers the expenses to repair the damages. Some policies can also be claimed if an explosion outside the house damages the interiors!

There are reports of other bizarre claims made against incidents like expensive wine getting spoiled or shattered window panes caused by an explosion outside the house. While choosing your home insurance ensure that the precious items in your house are insured!

Related Stories:
Top 10 Bizarre Insurance Claims
5 unusual claims that can test the limits of your policy

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(C) Joe Brennan is President and owner/operator of Insurance Claims Group, Inc., a national independent adjusting, appraisal, and umpiring firm. We will answer your claim questions FREE as part of our FREE Insurance Advice and Insurance Claim Consulting Services.

Insurance Claims Group, Inc.
Joe Brennan
Ph: 919-669-9111
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