Will you be covered for the damage caused if your sewer backs up? This is a messy, expensive loss to deal with. Unless you have the “sewer backup” endorsement added onto your home policy- you are NOT covered. You might be surprised to know this endorsement is around 40-60.00 per year.
* Did you know that the building codes may have changed since your home was built? If you have a loss where the insurance company has to rebuild your home, kitchen etc… you would be responsible in having your home built back to today’s building codes BEFORE the insurance company would begin. That’s right- if you don’t have the “Ordinance of Law” endorsement on your home policy- you would be out of pocket this expense. The cost for this little unknown feature is around 40-80.00 per year.
Ask me to review your policies.
Kim Hawkins – Hawkins Insurance Group
623-773-9270

