Check Your Homeowner's Policy To Make Sure You're Covered  You may be surprised to find out that your homeowner's policy excludes or limits coverage for losses caused by hurricanes, flooding, water back up and mold. Since coverage is based on your policy, it's important to understand what your policy covers, and what it doesn't cover, before you have a loss and incur expenses.
Some of the more common policy limitations are related to:
 | Hurricanes - Your policy may have a separate hurricane and/or wind deductible. In addition, some companies may offer a hurricane protection program. Check to see if you're enrolled. |
| Flooding - It's one of the most common hazards, and it's frequently excluded. Some insurance companies may add the coverage to the homeowner's policy or offer an option to purchase a separate flood policy. |
| Water Back Up - Check to see if your policy provides coverage and if there are separate deductibles and/or limitations for water that backs up from sewers, drains or sump pump overflow. |
| Mold Remediation - You may have a limitation or an exclusion for mold remediation as a result of a covered loss. It's important to understand your coverage and check if increased limits can be purchased. |
Make sure you understand the policy provisions in your homeowner's policy so you have the coverage you need in the event of a loss. Call your insurance agent for details about your policy and the cost and availability of separate riders for your personal situation.
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