9 May, 2018 → by ClaimboUser71742
They seem to exclude every possible thing, except visible issues, such as a house burning down.
1
As explained to me: We have Erie’s “best” policy. However, it does not cover any form of slow leak, rotted pipe, broken pipe, etc. Only thing they cover is if your faucet pops off/washer explodes, etc., and floods your house and causes SUDDEN water damage. "Sudden water damage" is ALL they cover. Roof blows off, its your fault for not doing preventive maintenance. Not covered. Should have pounded those nails back in every year!!! Maintenance issues are NOT covered, and they call everything a maintenance issue! Preventative or fixing it - all maintenance issues. We have paid our premiums on time for over a decade. The one time we need them, they tell us it’s all about maintenance. After looking at other insurance companies, many (most) are like this. Home owners is a sham since they opt out of almost everything short of your house burning down. I am sure Erie would say that if a huge storm blew down a tree, into your house, that it was a maintenance issue, or an act of God. Should have cut that tree down before the storm. Either way, NOT COVERED. Advice: 1.Skip Erie, as their polices are a pure gamble with a MAJOR leaning to the house (them) – think Vegas when the mob ruled it. 2.Read your policy and check to see if a.Slow, unseen and unknown leaks are covered. b.Under slab pipes are covered + tear out to get to it is covered. c.Ensure storm damage is not an act of God. d.Ensure a tree hitting your house is not an act of God when caused by a huge storm. e.Check to see if your dog is covered if it were to bite someone. f.Check to see if someone slips in your house or yard, is covered. g.Trust nothing. Get a full list of what is not covered. They like to say if it is not in the policy, it is not covered. Well, most of us do not speak lawyer, so force the issue, at least for the major $ issues. h.Many more. Bottom line, trust an insurance salesmen like a used car salesmen. If their lips are a flapping, they are a lying. I could not live with myself if I were that much of a *** Best policy? Really, that is a very said state of affairs! We paid top dollar for NOTHING. I want my money back. It would pay for this issue, and maybe a bit more.