Insurance companies’ policies are synonymous to long grocery receipts: you have check out every item punched just to make sure the bagger didn’t miss out anything. The checking can be tedious, just like home insurances. Sometimes, when faced with an insurance agent, you just have to be creative and think of actual scenarios that might happen to your home and ask him/her if it’s covered by the insurance’s policy. If they considered mud/landslide as a catastrophe associated with water, then some flood policies cover it, if not, then ask another question. Don’t be afraid to ask. It’s your policy you’re concerned with anyway.

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