Business Q&A

Question:
the house was built@1895 and has very old siding that cannot be replaced or matched cause they don't make it anymore.
Shouldn't my insurance pay to replace all the siding on the house?

Answer:
Actually they shouldn't. Homeowners insurance is a funny funny funny little matter with lots of little hidden and unhidden facts. Even during a natural disaster such as a tornado they are only required to pay for damage done, unless the whole house was blown away or deemed uninhabitable and cannot be repaired at all, then they will only give you a certain amount. The only way you could have all of your siding replaced and it covered by the insurance company was if you had revised your policy to include full replacement cost on your homes structure for the full house. Meaning you would be paying a little more for your insurance a month but as in this case if just part of your homes siding was damaged, the whole house has a full replacement of siding at todays cost, that's why you always revise your insurance policies to include replacement cost on everything, to allow you to replace what needs to be replaced at todays cost. People should always revise and state exactly what they want their insurance to replace in exact words. It costs more but as in this case it's worth it.

Resource from yahoo answers business question and answer: How do I get started in tax lien investment in Connecticut, can I live in CT and invest in Tax Liens in other states and how do I get the information for other states, also what are the best web sites to get free information
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