Home insurer throws a hissy fit

Imagine that you are mowing the lawn, and your lawn mower pitches a stone into one of your windows, cracking the glass. So you put a little piece of wood in front of the glass to cover the breakage, and go back about your business. You'll get the window fixed later.

One week later, you receive a letter from your homeowner's insurance carrier, stating that your coverage is going to be dropped. The letter cites your unkempt landscape and the boarded up window as the reasons for your loss of coverage.

Don't laugh, this could happen to you!

According to a report from ABC7.com News, that is almost exactly what has happened to one homeowner in Florida.The difference between that story and my hypothetical one is that it was a golf ball which cracked that homeowner's window. The story indicates that the home in question is well kept, and that the homeowner hasn't filed a loss claim in 20 years.