What are exclusions in the policy and when do they apply?
Exclusions are items that the insurance company won’t cover. They apply in different circumstances. For example, if you have interior damage as a result of a roof leak, there may be an exclusion that requires a hole or opening in the roof. In that example, the insurance company won’t pay for the interior unless you can show that there’s a hole or opening. There are a number of other exclusions that may apply, including constant or repeating seepage, wear and tear, faulty maintenance. And each of these must be analyzed based on the facts and circumstances of each claim. It’s important that you not accept the conclusion of your insurance company and question it. You may require a professional or a general contractor, or even an engineer in some cases. If you have any questions you should contact the professional to see whether the claim was properly adjusted.