Homeowners pay insurance premiums year after year, expecting that when something goes wrong, their insurer will step in. A Charlotte, North Carolina, homeowner recently learned firsthand how difficult the insurance claims process can be when his insurer, ERIE, refused to cover storm‑related roof damage.
Tom Luby, a homeowner in Spring Hill, Florida, was twice denied by Citizens Insurance for his nearly $100,000 vandalism claim on his rental property. The property damage is extensive, with stolen and destroyed appliances, significant debris inside and outside the premises, and damaged floors.
As we head into 2026, many homeowners are renewing their insurance policies only to find higher deductibles and more complex coverage terms than in past years. Escalating insurance expenses have become increasingly prevalent over the last several years, forcing homeowners to make difficult decisions about coverage.
