When To Use Your Home Insurance?

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    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    You can make a claim against your homeowner’s policy any time that you experience a loss as a result of one of the covered perils.   Your policy specifies the circumstances that are covered.  Common perils are, fire, and lightning.  You should remember that your policy has a deductible.  Your policy might have some adjustments based upon being “claims free.”  It is possible to file a small claim and realize very little after the deductible, only to discover that you lost your “claims free” discount which was much more.
    Answered on March 26, 2014
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