Quote:
Originally Posted by winterh
My dock looks much the same as the pic above. I called my insurance agent who told me I was covered. She then called me back an hour later to say the underwriter pointed out the language in my policy that excludes ice damage. The language was there so maybe I should have read the fine print. I am with Nationwide, is this standard on most policies?
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I ran into the same situation a few years ago with my insurance company (Amica). (Like you, I hadn't read the "fine print" closely enough.) My dock got whacked by the ice and needed considerable repair, but when I contacted Amica they said ice damage is not covered. So if someone runs into my dock with a boat and smashes it I'm covered, but not if the ice smashes it.