Why Longtime Homeowners Assume Their Policy Is Fine - and Why That Assumption Often Fails

https://smart-wiki.win/index.php/What_Happens_to_Your_Stuff_When_Smoke_Hits_Before_the_Walls_Fall_Down%3F

If you've owned your home for 5 to 15 years and never filed a claim, it's natural to feel confident your insurance is doing its job. Most people assume "no problems so far" equals "no problems ahead