Yeah, its all in forcing the little guy to fit into a checkbox on a form.

The insurance company that will make big money is the one who will accommodate the customer: If your roof is getting to the point of needing replacement, then either delete water damage coverage or make it more costly to cover the risk. Don't just force the customer into fixing it!!

Same with siding....I would have gladly accepted a water damage exclusion due to no siding.

I guess the insurance business is getting too big and too many people "fit" the boxes since they live in identical houses on city lots. So the big guys can ignore the occasional oddball and treat him like dirt--fix it or go elsewhere! Its just too bad there isn't an "elsewhere".



But I still wonder about the insurance covering the stupidest claims that should be refused because the homeowner did something supremely idiotic. Doesn't this drive up the costs to the rest of us, too?

Jon.