Coverage Our industry is not well-known in Maryland. The insurance companies want you to think they have your best interests in mind, but as a for profit business they make money by limiting payouts on claims. Most people aren’t clear about what their homeowners policy actually covers. It typically includes: • Collapses • Roof Leaks • Water Stains • Toilet Overflows • Fire & Lightning • Breakage of Glass • Windstorm or Hail • Weight of Ice, Snow, or Sleet • Freezing of Plumbing, Heating, & AC • Accidental Damages to Carpets, Cabinets, & Wallpaper • Theft • Smoke • Vandalism • Sewer Backups • Stained Carpets • Damaged Siding • Missing Shingles • Power Surge Damage • Cracked Ceramic Tiles • Riot or Civil Commotions