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Climate change, floods, droughts, tornados, fires, freak snow storms. Were seeing more and more extreme weather and its consequences in the news everyday, and if you haven’t experienced it yet, it’s bound to hit soon where you live. If you own a home you probably think your homeowner’s insurance will cover your losses and help you rebuild if you are a victim of extreme weather. Don’t count on it. Insurance companies are in business to make money, not to help you. They have many ways to avoid paying, when your home is damaged.

Protect yourself
If you are hit by extreme weather and your home is damaged, be prepared for a fight with your insurance company. If your claim is denied or if you are offered less than you should receive, you can dispute the decision. Expect this to happen, and start taking preparatory action right away:

Take pictures of all of the damage. If you can, get pictures that … Read the rest