Does Your Homeowners Insurance Really Protect You at All?

Multiple disasters

If a home is damaged by two or more perils, and one of the perils in question is not covered, then the whole claim can be denied. This is called “anti-concurrent causation clauses.” Such claim loopholes saw public scrutiny in the wake of Hurricane Katrina. Basically, the insurer doesn’t want to be liable for catastrophic damages created in the wake of multiple natural disasters.

For example, consider a home that sustains structural damages from hurricane-force winds. Then, a flood destroys items in the home and creates a mold problem. If the homeowner doesn’t have any flood insurance the claim can be denied.

Small-cap winners galore

The big stock market winners share one common attribute: Near the beginning of the ascent of their shares, the companies offer revolutionary products or services, are market leaders in their respective industries, or both. Some big stock market winners that possessed the attributes outlined above are Netflix (NFLX), which we recommended to investors in October 2002; Intuitive Surgical (ISRG), which we bought and recommended in July 2004; Baidu.com (BIDU), which we bought and recommended in August 2006; and MercadoLibre (MELI), which we recommended to investors in October 2010. Get up-to-date small-cap stock picks from David Frazier, editor of Small-Cap Profit Confidential.
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Smarter cryptocurrency investments

The stock market crash of 2008 was the catalyst for his journey into alternatives. And interestingly, it was the impetus behind the creation of Bitcoin and the blockchain technology behind it. Keene Little wasn’t ready to risk his money yet but he was very curious, so he began charting Bitcoin’s technical patterns. What finally convinced him to dip a toe into digital currencies was seeing that they followed familiar price patterns that could be analyzed and successfully acted on. Now he shares those insights with subscribers to the Crypto Wealth Protocol.
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