I wish they’d just be upfront about it instead of hiding behind all that jargon. Makes me wonder if they count on people not noticing...
Honestly, it’s not always intentional—sometimes those endorsements get auto-added during renewal cycles, especially if the carrier updates their policy packages. Still, I agree, the lack of transparency is frustrating. Did you notice if your deductible or coverage limits changed too? Sometimes a small tweak there can bump up the premium even more than a new endorsement. I’ve seen cases where people end up with double coverage for stuff they don’t even need, just because nobody explained the options clearly.
Out of curiosity, did they refund you when you pointed out the unwanted endorsement, or just remove it for the next term? Some companies are better about that than others...
I’ve seen cases where people end up with double coverage for stuff they don’t even need, just because nobody explained the options clearly.
That’s spot on. I once had a client who unknowingly paid for two separate water backup endorsements—nobody caught it until we did a full review. Out of curiosity, did you get a detailed breakdown of your renewal, or just the summary page? Sometimes the devil’s in the details...
