Insurance

Water in a basement is the claim I denied most often, and it was never because the damage was not real. It was because of which direction the water came from.

A chip in a windscreen is one of the few insurance questions where the right answer is often to not make a claim at all, and the arithmetic takes about a minute.

A nonrenewal is not a cancellation. That distinction matters and it is the first thing to understand when the letter arrives.

Two houses on the same street, same hail storm, same damage, same insurer. One homeowner gets a cheque for twenty-two thousand dollars. The other gets eight.