1. Look, I honestly thought my policy was solid until my agent asked when I last reviewed it—I realized it’d been 6 years! I found out that my roof damage wasn’t fully covered because it was considered "wear and tear." Dodged a bullet by updating right away.

https://technivorz.com/replacement-cost-vs-actual-cash-value-5-critical-questions-to-decide-which-coverage-protects-you-best/

1. Look, I honestly thought my policy was solid until my agent asked when I last reviewed it—I realized it’d been 6 years! I found out that my roof damage wasn’t fully covered because it was considered "wear and tear