Okay, yes I am new at owning a home. But when I rely and put my trust into an insurance agency to find what I need, I expect them to know what they are doing. Brightway insurance Agency got me set up with Security First. I went over my policy via phone with agent, Lauren Shaw, (my agent, Kevin Bland, never seemed to be available) and had her explain it to me in laimens terms. I asked my questions and then got down to the water side of it. I saw where it said 'flood exclusion', and asked what that exactly excluded. She proceeded to state that if a hurricane floods my home I am not covered, that if a pipe in the street bursts and floods my home I am not covered. But, if a pipe in my house bursts and 'floods' or 'fills' a room/house with water I am covered. I then asked about my roof. According to paperwork, the roof of this house was built new in 2006. ( granted new roof shouldn't be leaking right?!)I noticed a coupke of weeks ago the roof is leaking in many places! I asked her that if my roof is leaking when it rains will I be covered. Lauren stated that yes. It would fall under all other perils with a $1k deductible. Two (2) days later I proceeded to make a claim for my roof. The adjuster, Kevin Townsend, came out and took pictures and my statement. He stated that he actually saw more places where the roof was leaking and brought them to my attention. Anyhow, he left and went to do his work. A letter then came back to me stating that I was denied my claim and Mr. Townsend lied about damages to the roof and my statement was twisted around! Go figure. Now I believe the movies for sure. Mr. Townsend then called me and and told me I was denied. any guesses as to why? Well, It's because I have a water exclusion on my policy! It is listed as a water exclusion credit. Lauren Shaw had no idea what she was talking about when she was going through the policy with me over the phone. Thanks to her and her knowledge of reading insurance policies, my caim was denied and I now have to find a way to come up with $4k to replace my roof before mold grows rampid through my attic and who knows where else and before it ruins the ceiling and the drywall! I'm covered for mold/fungi and structural damage, but if it's related to the claim on my roof and involves water, I'm not. Guess which is going to happen first? Hint: It's not a new/repaired roof! What else does my family have to go through? My advice, seek a different agency. Perhaps one that is qualified to read policies.