What are common Homeowners insurance claim exclusions?

• Flood damage: Most standard Homeowners insurance policies do not cover damage caused by flood. Flood damage is more common than many people think, as it is defined as “ground water seepage” (e.g. rainwater).

• Earthquake damage: Similarly, earthquake damage is not covered by standard Homeowners insurance policies.

• Mold: While some mold damage may be covered, especially if it's a result of a covered peril like water damage, many policies exclude mold remediation or damage caused by long-term neglect or poor maintenance.

• Wear and tear: Homeowners insurance typically does not cover damage that occurs gradually over time due to normal wear and tear or lack of maintenance. It is the homeowner's responsibility to maintain the property.

• Service Line damage: Sewer and septic lines can be damaged in a variety of ways, leading to expensive excavation and repair costs. Service line coverage can typically be added to a Homeowners policy, per a policyholder’s discretion.

• Sewer backups: While some policies offer coverage for sewer backups as an optional endorsement, it is typically not included in a standard policy.