I had no idea about this in homeowner's insurance policies. And I would hate to find out the hard way.

As a result of this winter with all of the leaky roofs from the ice dams, I'm sure a lot of people are going to find out about this, unfortunately.

Check your policies with your agent!

This clause can keep you from accessing homeowners insurance claim money     

http://www.marketwatch.com/story/this-clause-can-keep-you-from-accessing-homeowners-insurance-claim-money-2015-03-04