[ncstanger]

Hey guys,

Working for an insurance carrier has given me a considerable amount of knowledge on the subject of insurance. To deny a claim an insurance company has to have a specific exclusion for the cause of the claim. Read your policies guys! There is a lot of information in there. Also, as a general tip you the insured generally tells the insurance companies WAY too much. I wouldn't worry about telling your agent something as they will lie to the carriers to keep the premium. One more thing, if you ask your agent about it get it in writing. If the information he/she gives you is incorrect then they have insurance just to cover such mishaps.

Kevin