When to file a home insurance claim

Some losses are not covered, and deductible may not even justify it

Natural disasters from blizzards and tornadoes to Hurricane Sandy have been in the news a lot lately. Add to that the more common, everyday occurrences like frozen pipes, leaking appliance water lines, stove and flue fires, and other problems that can occur in your home, and you can easily see why it’s so critical to have good homeowners insurance.