It’s going to depend on the type of policy that you have in the first place. Oftentimes, an insurance company will just give you the first page of your insurance policy, and it gives you the different coverages that lists out what’s covered. It’ll say, “Coverage A, your dwelling,” which is your home. It’ll list out coverage B usually, which says other structures that aren’t attached to the home. Coverage C for your personal property, coverage D for your loss of use or expenses incurred from being displaced from your home from a covered loss.
But then it’ll give you 90 pages of exclusions, so you may have an all-risk policy, where you think, “Oh, I’m covered for all risks,” but then you have 90 pages of exclusions. We’ll come in, look at your policy, read through all 90 pages. We know the different carriers and what exclusions they have. Well, oftentimes, they’re changing their policies as the years go on, different disasters are happening, or different claims seem to have more frequency. We’ll look at your policy, give you a second opinion, to make sure that even if your claim may not be covered under those major coverages, there may be sub-coverages we can go under. We just have to look at your policy and give you a second opinion on that.