Are deductibles required and, if so, what are they?
Yes, most homeowners forms contain deductible provisions applicable to losses occurring under Section I (Section I losses include (a) dwelling, (b) appurtenant structure, (c) unscheduled personal property, and (d) additional living expenses.) The type and amount of deductible varies by company. Deductible provisions do not apply to Section II losses (Section II losses include personal liability [bodily injury and property damage] and medical payments to others). Some companies offer an optional deductible applicable only to wind or hail losses. Most offer higher deductible options such as $500 or $1,000 at a reduced premium.

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1. The insurance company has non-renewed my homeowner's policy. Can they do that?
2. I just took out a new homeowner's policy and the company has notified me they are going to cancel my policy. Can they do that?
3. When can an insurance company cancel my homeowner’s coverage during the policy term?
4. I have had my homeowner's policy for five months and now the insurance company says they are going to cancel because I had claims with another company. Can they do that?
5. I have a homeowner's policy. Is my home covered for damages caused by high winds or tornadoes?
6. Am I covered for wind damage if I have a mobile home policy?
7. Will the damages, caused to my home by flood or rising water, be covered under my homeowners policy?
8. What must I do after a loss occurs to my home or other property?
9. How long should I wait for the insurance company to handle my homeowner's claim?
10. Will my insurance policy pay for my family to live somewhere else while my damaged home is being repaired?
11. If the insurance company and I cannot agree on the amount that it will take to repair my home, do I have to file suit?
12. Are deductibles required and, if so, what are they?
13. My house was completely destroyed by fire. I'm trying to collect on my personal property that I had in the house, but the insurance company is telling me I need an inventory. Can they do that?
14. Our sump pump failed and the insurance company is denying our claim because the water backed up through our sewer. Can they do this?
15. My boat was stolen and now my insurance company will not pay the claim on my homeowner’s policy. Can they deny my claim?
16. During a storm, a tree from my neighbor’s yard fell and destroyed my fence. Does my homeowner’s policy pay for the damage or does my neighbor’s policy?