GN -- Check for things like 14 days or more of running water or leaks (no coverage) or something to the effect you must prove you were responsible or diligent when making a claim. Those are frequently the ways insurance companies get around it.
I know of one instance where a woman went on a 6-week cruise (she's a frog here). Sometime while she was gone a pipe burst and did some serious damage, including a lot of mold. Her insurance covered none of it because her home had been unoccupied and no one had checked it during her absence. Had the home been checked, the leak would have been caught sooner and a lot less damage. Therefore, she was not diligent and no coverage. The damage was well over $20K.
Sadly, insurance companies are happy to take your money and very, very reluctant to pay any out. Any excuse will work and, it seems, snowbirds are hit especially hard when something goes wrong.
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Army/embassy brat - traveled too much to mention
Moved here from SF Bay Area (East Bay)
"There are only two ways to live your life: One is as though nothing is a miracle; the other is as though everything is a miracle." Albert Einstein
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