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Home Insurance. Friday , February 23rd , 2018 - 16:36:00 PM

The control panel is used to arm and disarm the system. If the system is armed and one of the circuits on the window or door sensors is interrupted, an alarm sounds. If it is a professionally monitored system, that alarm also notifies the alarm company that there has been a breach. The alarm company then follows a set of procedures, including contacting the homeowner or emergency contact to make sure it is not a false alarm, and then the authorities (fire or police) are called.

Given the number of uninsured and underinsured homeowners during the 2017 natural disasters, there seems to be a disconnect between homeowners understanding their coverage and what their policy actually covers.

The outcome of these disasters — many uninsured and underinsured consumers — should serve as a call to action for insurers. They must do more to educate consumers on what is not protected against losses in the policies they purchase.

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