Homeowners insurance plugging the holes.(CR: Money)

Publication: Consumer Reports

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COPYRIGHT 2006 Consumers Union of the United States, Inc.

Even if you haven't seen the latest disaster movie, last year's hurricanes and this year's tornadoes and floods have to make you wonder whether your homeowners insurance could withstand a major (or minor) disaster. What follows are some common threats that could cost you thousands, and how you can get them covered.

FUZZY GREEN STUFF

Spiking liability claims for mold damage have prompted many insurers to reduce or even eliminate such coverage. "You should have it covered if you live in high-humidity areas or anywhere else where mold tends to be a problem," says Madelyn Flannagan, vice president of education and research at the Independent Insurance Agents and Brokers of America, a trade association. To make sure you have coverage, read your...

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