Wil wrote:
Glad you said dont call the insurance company. I did that once when
a
basement wall had to be replaced. They wanted to re-inspect the house
to
make sure it was still up to their standards. I had to submit
pictures of
the work and get my houme owners insurance approved all over again.

Yes. Even if you're calling to ask a question about coverage, that
contact is recorded, and can count against you when it comes time for
the policy to be renewed. (Why would you be asking, if you didn't
perceive a possible risk of loss, is the justification.)

If you have questions about your coverage, read your policy. If you
don't understand what it says, consult someone other than your insurance
agent or anyone else with the insurance company.

--
Warren H.

==========
Disclaimer: My views reflect those of myself, and not my
employer, my friends, nor (as she often tells me) my wife.
Any resemblance to the views of anybody living or dead is
coincidental. No animals were hurt in the writing of this
response -- unless you count my dog who desperately wants
to go outside now.
Blatant Plug: Books for the Pacific Northwest gardener:
http://www.holzemville.com/mall/nwgardener/index.html