None of months after my partner and I bought our house, both of us had to contact the insurance corporation with a claim.
There was a massive tropical storm in the area and a tree fell in the backyard and took out the Heating, Ventilation and A/C unit.
It was crushed like an accordion. The damage to the heating and cooling plan was severe. We got an quote from the dealership for a new machine. At that time, the dealership told us that both of us should contact the insurance corporation. They believed that the damages would be covered under our claim due to the fact that the tropical storm affected our entire county. With a dire weather emergency declared in the state, the insurance corporation should have been forced to spend money for the new Heating, Ventilation and A/C equipment. My partner and I had to jump through hoops to get the corporation to cover our loss. They wanted paperwork from the local weather repair plus paperwork from the mayor of the city. They wanted separate quotes from multiple odd corporation providers and proof that I did not cause the damage before the storm began. It took multiple months before they paid for the claim. Thank goodness I had enough money to spend money for the new unit without the insurance corporation, because 3 months would have been a really long time to wait for the insurance corporation to buy a new 1. I would have gone most of the Summer and half of the fall season without being able to use the temperature control system. I wasn’t about to do that.