Can your homeowners insurance only cover less than half of your house when you have paid your premium in full for a year?

Can home owner insurance say that they will not cover organic shingles when they never sent out the homeowners policy and they just took your money?

Asked on August 31, 2012 under Real Estate Law, Minnesota

Answers:

FreeAdvice Contributing Attorney / FreeAdvice Contributing Attorney

Answered 8 years ago | Contributor

Under all policies of insurance, custom and practice is for the policy to set forth what is covered under it for your yearly premiums subject to any and all "exclusions" set forth within the policy. IF the homeowner's policy has an exclusion within it as to "organic shingles" specifically stated, such is allowed under all insurance code provisions of all states in this country.

Given the uncertainty that you seem to have over your insurance policy, I suggest that you consult with an attorney that practices in the area of insurance law.


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