aja8888
Moderator Emeritus
I questioned my state farm agent yesterday on the equipment endorsement when she called me to upsell some other endorsements. I found out there are some stipulations, I told her to send me the information on the endorsemt and 'she told me she could only send out the one I already had. but in questioning her I found out that there is some kind of stipulation about it has to be accidental and sudden. I don't know what that means and evidently neither did she. As it turns out if you have a 20 year old furnace and it breaks down and parts are available they will fix it, but if it is just normal wear and tear they won't replace it if that is what is necessary. as has been said on this site before "if it sounds to good to be true, it probably is".
You should ask her who determines if it is accidental or sudden when it fails.