Kesner Insurance

Surety bond companies are themselves required to be audited to prove they are solvent. An obligee who presses a claim against a surety bond company that turns out to be insolvent loses money.

One of the main exclusions in any homeowners policy is damage due to neglect. A tree that falls on your neighbor's home is covered. However, if that tree had signs of termite damage that you neglected, it's possible that claim could be denied.