What to read
- Declarations page: coverage limits, deductibles, endorsements
- Dwelling coverage form: the core insuring agreement
- Exclusions section: the real coverage boundary
- Conditions: cooperation, notice, suit limitations
- Endorsements: often restrict or modify coverage
Key things to know before a claim
- Hurricane deductible amount and trigger
- Roof schedule endorsement (if any)
- Water damage sublimits
- Ordinance or law coverage limit
- Loss of use / ALE limits
When to do this
Annually, at renewal. Not after a loss.