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Four Things Your Homeowner’s Insurance Policy May Not Cover

Purchasing a Putnam Connecticut homeowners insurance policy is one of the best ways to protect the investment you’ve made in your home. However, just because you have a policy doesn’t mean that every hazard is covered. Here are four examples of situations that may not be covered under your current policy.


1. Mold


When mold breaks out on the walls or ceiling of your home, it not only looks disgusting, but poses a health risk to you, your family members, and your pets. Depending on your Putnam Connecticut homeowners insurance, your policy may limit this coverage or completely exclude it.


2. Sewer Backup


Walls, furniture, electrical systems, and floors are just a few of the things a sewer backup problem can damage. However, most standard policies do not cover this hazard.


3. Termites


Termites are every homeowner’s worst nightmare. These pesky critters can wreak havoc on your home’s infrastructure and cause extensive damage if not caught in time.


4. Sinkholes


When groundwater dissolves rock and carries it away, gaps, or sinkholes, in the Earth’s surface may form. Once these holes start to form beneath the ground, the land above them may collapse or settle.


If you’re worried about a sinkhole, termites, or a sewer backup, talk with your insurance agent to find out more about additional coverage you can purchase to comprehensively protect your home from any type of damage.