Quote:
Originally Posted by Battlebasset
Easy way to find out. Take the letter and send it to your insurance agent. They can tell you what would be covered on your particular policy. If it's not covered, they might be able to tell you what you would need to add to your policy to get it covered. At least then you have options, and the coverage is part of your overall home owners policy if you choose to get it. Not some standalone thing where there could be finger-pointing between TECO and your homeowner's insurer about who covers what.
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In my experience, insurance agents will never put anything in writing about what your policy covers and does not cover. They will just refer you to the policy document. And, even though they are called "agents", they have no power to act on behalf of the company regarding any interpretation of your policy coverage. Basically, they are just salespeople.