Imagine returning from a vacation to find your house has been robbed, flooded, or covered in toxic asbestos and harmful fiberglass. Sadly, this scenario actually happened to Todd Kozikowski’s family. An unexpected home renovation error ended up costing his family their health, home, and resulted in long legal battles—all because the insurance carrier didn’t provide the coverage the family thought it did.Disclosure: I received coverage kit with fire resistant document bag, packable sling bag with anti-theft pocket, and extension cord safety seal water resistant cord cover in exchange for this post. No other compensation was received.

