Metzler Bros: FAQ

FAQ: HOME

Do I need to buy flood insurance?
If you want your belongings covered against the damages caused by a flood, the answer is yes. Basic home insurance policies never cover damage from flooding because it's second only to fire as the most widespread of natural disasters. Because flood damage happens so frequently, most insurance companies won't even consider writing flood coverage. The National Flood Insurance Program (NFIP) underwrites the overwhelming majority of flood police in the United States.

Will filing a claim on my homeowners insurance cause my rates to go up?
No, In fact, most companies will not raise your rates or deductibles on the first claim.

I have a dog that bit someone once. Will that affect my chances of getting homeowners insurance?
While having a dog with a history of biting doesn't automatically disqualify you from getting a homeowners policy, it can make it difficult. You might end up having to get a policy that excludes coverage for anything your dog does.

If a tree falls on my house from my neighbor's yard, who pays for the damage?
Generally the insurance responsibility lies with whoever's property is damaged. In other words, if a tree falls on your home, no matter where the tree came from, your insurance company should pay for your home repair. An exception would be if the damage occurred as a result of negligence; for instance, if the tree was dead before it fell, and you had proof that your neighbor knew the tree was dead. Under those circumstances, the damage becomes your neighbor's liability. As a rule, state insurance officials suggest that you file a claim with your insurance company and let them deal with it.

I own a home that no one is currently living in. Will it be difficult to insure?
It certainly could be. There are several factors that will influence whether or not you can get insurance on a vacant home. Is the house currently for sale? How long do you plan to leave it vacant? Does someone check on it regularly? Is the house secluded from view?