1. 14231 POINTS
    Tom Sheehan
    Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
    There are a couple of specific exclusions that can be found pretty universally throughout Homeowners Insurance policies and they are damage caused by earth movement and that caused by flood.  Coverage for earth movement can usually be endorsed onto the policy, but Flood insurance must in all cases be purchased as a separate policy.
    Answered on May 27, 2014
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