All 20 questions

• Water has been slowly leaking under my sink for months and now the cabinet is rotted. Is that covered?The clause that decides it: “constant, repeated or intermittent discharge, seepage”
• Ice cracked my patio and part of the fence. Does the policy pay for that?The clause that decides it: “freezing, thawing, pressure or weight of water or ice”
• My wedding ring was stolen. How much can I actually get back?The clause that decides it: “$500 for loss by theft of gems”
• There is black mold growing behind the wall after a leak. Will the policy handle it?The clause that decides it: “cost or expense to test for, monitor, clean up, remove, contain, treat, abate or assess the effects of mold”
• My laptop was taken out of my locked car in a parking lot. Is that a claim?The clause that decides it: “unless all its doors, windows and other openings”
• A hurricane pushed a wall of seawater into my condo — will flood or storm surge damage be covered?The clause that decides it: “flood, surface water, waves, storm surge, tides, tidal water”
• If a nuclear accident somehow starts a fire that burns my house, does the fire damage get paid?The clause that decides it: “We do cover direct loss by fire resulting from nuclear reaction, radiation or radioactive contamination”
• How soon after I report a claim does the insurance company need to ask me for a formal sworn statement about the loss?The clause that decides it: “We must request a signed sworn proof of loss within 15 days after we receive your written notice”
• One earring from a pair got destroyed in a fire — do they pay for just that piece or the whole set?The clause that decides it: “Loss to a Pair or Set. In case of loss to an item which is part of a pair or set”
• I own a boat with a 60-horsepower inboard motor — is someone hurt on it covered by my homeowner's liability?The clause that decides it: “inboard or inboard-outdrive motor power of more than 50 horsepower owned by or rented to an insured”
• My kid accidentally broke a neighbor's window while playing — will my policy pay to fix it even without a lawsuit?The clause that decides it: “We pay replacement cost up to $500 per occurrence for property damage to property of others”
• A tree fell on my roof during a storm — will they also pay to haul away the fallen tree itself?The clause that decides it: “a tree that has damaged covered property if a Peril Insured Against causes the tree to fall”
• My house has been sitting empty for three months while I'm overseas and now there's damage — will that be covered?The clause that decides it: “if the dwelling has been vacant for more than 60 consecutive days before the loss or damage occurs”
• My washing machine hose burst and water shot out inside the house — is that kind of sudden water release covered under a special endorsement?The clause that decides it: “Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam from”
• When they calculate my payout for older damaged items, do they subtract for wear and age, or pay full replacement cost?The clause that decides it: “subject to a deduction for deterioration and depreciation”
• A vandal cut down one of my ornamental shrubs — is there a cap on what I'll get for just that one plant?The clause that decides it: “We will not pay more than $250 for any one tree, shrub or plant”
• My city says I have to upgrade my electrical wiring to code when I rebuild after a covered loss — will insurance chip in for that extra cost?The clause that decides it: “You may use up to $5,000 (at no additional premium) for the increased costs”
• After my house partially burned last year, is my remaining coverage amount lower now until I finish repairs?The clause that decides it: “the amount of insurance applicable to that building for loss by fire will be reduced by the amount of the loss”
• My old refrigerator broke from a covered surge — will they pay me a brand-new replacement cost or something less?The clause that decides it: “will not exceed the smallest of the following: a. the actual cash value; or b. the specified limit of liability”
• My neighbor got hurt on my sidewalk but didn't need surgery until almost two years later — is that still covered under my medical payments coverage?The clause that decides it: “incurred or medically determined within three years from the date of an accident causing bodily injury”