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Sudden and Accidental by Nikki Willhite When it comes to insurance claims, there are two words to remember- "sudden" and "accidental." All houses deteriorate, from the plumbing to the roofing.  You are responsible for the maintenance on your home.  Insurance steps in when something out of the ordinary happens, like a fire.  Homeowner insurance is not like medical insurance, where you pay money, and get money back.  Ideally you should never have to file a homeowner insurance claim, as you would also hope with your car. It is your responsibility to change the hoses on your appliances so they don't become old and brittle and crack.  If, however, they do crack and your house floods, your homeowner insurance will cover the water damage.  If a pipe breaks, the same thing holds true.  However, the insurance will not pay to replace the hoses on your washer and dryer, nor will they pay to fix your plumbing. Houses take work.  Do not let water damage your home over an extended period of time.  It is expensive, and as stated, insurance will not cover the damage because it is not sudden or accidental.  It is hard for all of us to pay our insurance premiums.  However, it is the only way we can protect ourselves from the devastating effects of a fire. If you do file a claim, be nice to your insurance adjuster.  All the service industries are overworking their personnel and the time spent with their families can be almost non-existent.  It does not help to have people taking out their frustration on them. Insurance is a blessing when it is needed, and more of a blessing if it is not needed. When the sudden and accidental occurs, your insurance will be there for you. bout the Author: Nikki Willhite, mother of 3 and an interior design graduate, has been writing and publishing articles on the topic of frugal living for over a decade. Visit her at www.frugalhappyfamilies.com - where you will find hundreds of frugal living tips and articles. Frugal Happy Families- more than just money!

 

 

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