1. Look, I honestly thought my policy was solid until my agent asked when I last reviewed it—I realized it’d been 6 years! I found out that my roof damage wasn’t fully covered because it was considered "wear and tear." Dodged a bullet by updating right away.

https://www.bookmark-jungle.win/master-your-home-insurance-what-you-can-achieve-in-30-days-with-actual-cash-value-policies

1. Look, I honestly thought my policy was solid until my agent asked when I last reviewed it—I realized it’d been 6 years! I found out that my roof damage wasn’t fully covered because it was considered "wear and tear