mbrcatz
 |
Honey, there is NO SUCH THING as full coverage.
There is an endorsement that can be added to a standard HO3 Homeowners policy, called "building ordinance or law" coverage. Does she have it? If she does, then the insurance company pays for upgrades required by building code - BUT, only to the damaged part of the building. If she doesn't have it, then SHE pays for the upgrades required by building code.
If the wiring in the whole house wasn't damaged, then updating the wiring is a MAINTENANCE issue, and part of normal home ownership. Maintenance stuff like replacing the roof, repainting, updating the wiring, raking the leaves, shoveling the walks, that's just part of home ownership. The insurance contract is NOT a maintenance contract. Just to put it into perspective.
And because there is no such thing as FULL COVERAGE on a homeowners policy (example - flood is NEVER covered, and most of the time earthquake isn't either), I'd STRONGLY recommend you both sit down with her insurance agent, and review the policy - what is covered, what isn't covered, check values, and especially, make sure that the enhancement endorsements you want, are on the policy. Like replacement cost on building & contents, building ordinance & law coverage, and backup of sewers & drains coverage. NONE of which, are "automatic" on a homeowners policy. |
debijs
|
~~No they will only cover damages, but cover nothing for improvements.
If she is needing this and can't pay, contact the city and or county information line, and ask for the department that handles low income homeowners improvements.
There are many funds available for situations such as your mom's which may help cover the costs.~~ |
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