Consumer advocates warn homeowners of insurance policies with $10,000 water damage limits

TAMPA, Fla. (WFLA) — A Plant City couple in their 70s thought their homeowners insurance would protect them if disaster struck.

Then an upstairs toilet malfunctioned while they were traveling, causing catastrophic water damage throughout their home.

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Debra and Marcus Stokes soon discovered that the State Farm policy they renewed in April included an endorsement limiting water-damage coverage to $10,000. That amount is nowhere near enough to restore their home or replace their belongings…

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