Most of the basic exclusions to homeowners policies have been there forever. Where you run into problems is when the state and Federal governments start getting involved and they try to tell ins. companies what they must cover. When that happens it creates a ripple effect. Premiums go up and exclusions get added.
Government needs to stay out of ins. Ins. is a private contract between a homeowner and the company. Everything is spelled out in the policy. The State dept. of Ins. usually oversees the process to keep it above board.
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Today's Featured Article - The Nuts and Bolts of Fasteners - Part 2 - by Curtis Von Fange. In our previous article we discussed capscrews, bolts, and nuts along with their relative hardness and thread sizes. In this segment we will finish up on our fasteners and then work with ways to keep them from loosening up in the field. Capscrews, bolts and nuts are not the only means of holding two parts together. When dealing with thinner metals like sheet tin, a long bolt and
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