Double check your home owner's coverage. Based on a conversation with my home insurer, when there is damage to my home, they will only pay out in cases where th

Double check your home owner's coverage. Based on a conversation with my home insurer, when there is damage to my home, they will only pay out in cases where there I have clear evidence that damage was caused by a third party physically striking my property. Weather? No. Damage caused by incorrect installations? No. Damage caused by ground shaking from reckless construction next door? No. They would have to literally ram some piece of their equipment into my home for me to have grounds for a claim. In this situation, they're just a middle man for a lawyer taking up an easy civil case.