LPT: If an insurance company denies a claim section as "not in your policy"- double check. Finance
I had hail damage from a big storm this spring and my insurance is trying to balk at a provision that requires them to cover any replacement costs if an ordinance has changed since installation of the original siding. They told me that it wasn't covered in my policy, but when I reviewed my policy last night (and confirmed with my insurance agent this morning,) it is covered in my policy, along with siding matching. This may have saved me close to 10k, so definitely double check your policy if you're told something isn't included.