Homeowner Insurance Claims in General


The majority of Homeowner insurance claims are caused by weather conditions. New Englanders are most concerned about hurricanes, lightening, heavy rain and ice and snow storms, although an occasional earthquake and tornado have been known to occur here.


For example, the recent, extremely heavy downpour caused unexpected flooding in Somerville, MA, where the sewer system was not able to handle the overflow, resulting in back-up of sewerage into basements.


Flooding is not covered by a Homeowner or Dwelling policy. Only FEMA, under the auspices of Homeland Security and the Federal Government, writes Flood policies. Lex Insurance Agency is available to assist with your Flood Insurance policy purchase.


Call Lex Insurance today to discuss your specific Homeowner and/or Dwelling policy.