If an agent, a representative of an insurance company, sells and the company
accepts a property then anything that happens (if fortuitous, or accidental)
to that property is covered as long as it falls within the policy language,
perils insured against and property covered.

The company can't come back AFTER a loss and deny payment because of
something not defined in the policy. They can't just make it up after the
fact.

73

"Rick Scott" wrote in message
...
Unfortunately, your local agent will have little or no input into any
damage or property loss claim that you may make -- that is the adjusters
and claim reps --
a whole another breed of cat (and not the domestic kind).
If you get into personal injury or loss of life - it gets complicated
very quickly. Fortunate that you don't have close neighbors.

gb

Yep underwriters are more than willing to add things to make more bucks.

Getting the claim later is an all together another proposition.