What Homeowners Insurance Excludes — And Why It Matters

Most claim frustrations stem from exclusions, not coverage limits.

Common exclusions include:

• Flood damage

• Earth movement

• Sewer backup

• Termite damage

• Wear and tear

Flood insurance, in particular, requires a separate policy.

Insurance is designed for unexpected loss — not maintenance issues.

If you are unsure what exclusions apply to your home policy, reviewing your forms and endorsements can prevent surprises. You can request a coverage review at www.crosswindsinsurance.com or call 704-248-2657.