Why Longtime Homeowners Assume Their Insurance Covers Everything - and How That Leads to a 73% Failure Rate

https://fun-wiki.win/index.php/When_Smoke_Destroys_Contents_Before_the_Structure_Fails:_What_Every_Homeowner_Needs_to_Know

I used to take a pad of paper to client meetings and write one sentence at the top: "No claims in 10 years does not equal full protection