My Homeowners Insurance Denied TWO Claims… Here's What Every Homeowner Should Know

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I thought insurance covered this. Turns out, I was wrong.

After 27 years in the mortgage industry and multiple home purchases, I thought I had a pretty good understanding of homeowners insurance. Then, within days of each other, I experienced two major home issues that I believed would be covered by my policy.

A failed sump pump flooded my crawl space, destroyed my HVAC system, and resulted in an $18,000 replacement estimate. Then I discovered a leaking shower pan that had been causing hidden water damage behind the walls.

The biggest surprise wasn't the repairs - it was learning that neither claim was covered by homeowners insurance.

In this Rewind episode, I share what happened, what I learned, and why every homeowner, homebuyer, mortgage professional, and real estate agent should have a better understanding of what insurance actually covers - and what it doesn't.

If you've ever assumed your insurance policy would protect you from costly home repairs, this is a conversation you need to hear.