Does my homeowner’s policy cover this?
Traditional homeowner policies exclude natural wear and tear and repairs for piping. You should check with your agent, but you will almost certainly discover that all repairs on your property are your responsibility.
What contractors are used?
We use pre-screened local licensed and bonded contractors for your repair. Each repair comes with a 1-year warranty.
What is the deductible?
There is always zero deductible, no matter how small or large your claim is.
Is there a waiting period?
There is a 30-day waiting period to file a claim. This helps keeps rates low by discouraging fraud.
What is my annual limit?
Single-family residence policies provide up to $10,000 in coverage per occurrence, and $10,000 annual limit. Multi-family residence policies provide up to $10,000 in coverage per occurrence, $10,000 annual limit for water lines, and $20,000 annual limit for sewer lines.
What are my payment options?
You can pay your premiums with any Visa or MasterCard, checking account, or by sending in an annual check to our mailing address. You can choose between monthly or annual payment plans.
How can I cancel my policies?
The cancellation process is quick and easy. This can be done by calling our office at 1-(800) 790-3201, extension 4. We will need a reason why you are cancelling, and (if applicable) a new mailing address for any refund.
What is pro-rating?
This is a partial refund or payment based on the proportion of the product used. For example, if you pay for a 1-year policy, and cancel after 4 months, a prorated refund would be for the 8 months that was not “used”.
If you would like to enroll in additional policies before your annual renewal date, we can also pro-rate these new policies. This payment will be for the day you enroll to the day of your renewal date. This is to consolidate your payments to make it easier for you. On your renewal date, you will be charged for all policies.
What is considered multi-family?
A triplex or larger is considered multi-family. We have special policies with different premiums for these kinds of homes.
What are the exclusions?
The exclusions listed are the most common instances, but do not list all of them; a) Exterior lines exceeding 250', b) Pre-existing or current issues and repairs, c) Natural or manmade disasters, d) Septic tanks, sump pumps, drain fields, storm drains, water meters, wells, pumps, etc, e) Polybutylene water lines, and Bitimous Fiber sewer lines (often referred to as Orangeburg Piping).