Suffering from a long-term disability (LTD) means you already have enough to deal with. You do not want to add fighting with an insurance company to the list. All too often, insurance companies try to avoid paying for coverage. That could leave you vulnerable both physically and financially.
When you purchased your home about 10 years ago it was the home of your dreams. Like so many other responsible homeowners, the first thing you did was purchase a home insurance policy. However, recently, the home of your dreams was damaged and needs to be repaired. When you call to notify your insurance carrier of the damage, they inform you they are not responsible and will not pay for the damage and that you will have to pay for the repairs. What do they mean they will not pay? What can you do about it?