Good points overall, but honestly, I wouldn't stress as much about the whole "attached vs detached" thing. Had a buddy whose garage was connected by a flimsy covered walkway—thought he'd be in trouble after a storm—but his insurer didn't even blink and covered it fully as attached. Sometimes these definitions seem strict on paper, but in practice, adjusters can be surprisingly flexible...or maybe he just got lucky. Either way, don't lose sleep over every little detail.
Interesting story about your friend—I guess insurance can be a bit of a lottery sometimes. Reminds me of when I had hail damage to my car parked in a friend's driveway. My insurer initially hesitated because it wasn't my own property, but after some back-and-forth, they covered it anyway. Makes me wonder how much discretion adjusters really have in these gray areas... Has anyone else had similar experiences where coverage seemed fuzzy or negotiable?
Had something similar happen when my windshield cracked while parked at work. Technically off-premises, but after a bit of negotiation, they covered it anyway. Makes me wonder how insurers decide what's gray area and what's clear-cut?
"Makes me wonder how insurers decide what's gray area and what's clear-cut?"
Yeah, insurance can be weirdly inconsistent. Reminds me of when my classic Mustang got dinged at a car show parking lot—technically off the event grounds, but close enough that I thought it'd count. Initially, they pushed back saying it wasn't covered, but after some back-and-forth (and me pointing out their own vague wording), they eventually agreed. Seems like insurers often rely on interpretation rather than clear rules... guess that's why negotiation sometimes works.
Ugh, reading your Mustang story stresses me out... I'm new to this whole insurance thing, and honestly, it feels like trying to figure out the rules to a board game someone lost the instructions to. 😂 But it's kinda reassuring hearing you managed to push back successfully. Guess it really is about knowing how to argue your case and pointing out the loopholes. Fingers crossed I won't need to test my negotiation skills anytime soon...
