Not any insurance cover is as safe as it may be presumed that insurance is where safety emanates. It is advisable to be more careful when dealing with any insurer or on any insurance cover you are taking and what pertains. Taking caution on suspicious policies and possible pitfalls can savor you unnecessary costs or loses.
Check to see if your policy covers repairs at actual cash value (ACV) or at replacement cost. Replacement cost is usually much better. Case in point: If your roof was damaged and needs to be completely replaced, replacement cost will pay for it to be fully repaired less your deductible, while ACV will pay you what your roof was estimated to actually be worth at the time of the damage.