Why is home insurance limited to each and every different type of disaster?

Posted August 4th, 2009

Craptacular Wonderment asked: The home is either livable or NOT livable…it matters NOT what disaster ruined the home..
Why then is it that you have to pay extra for each different type of circumstance? An accident is an accident…. a disaster is a disaster… the home can only be burned, flooded, distroyed by earthquake [...]

Problem with insurance company to help pay for some of the cost for roof replacement. Any suggestions?

Posted December 18th, 2008

jam2 asked: My roof is 17 years old. There are 4 slopes on my roof. 2 slopes are in bad shape. (shingles curling) The other 2 aren’t too bad. My insurance company said they won’t pay anything toward the new roof. Is there a suggestion I can mention to insurance [...]