All new police recruits in Massachusetts must graduate from one of the municipal police academies, six regional police academies or the Massachusetts State Police Academy.
Homeowner's insurance policies cover mold damage and remediation depending on the source of moisture that has encouraged the growth of mold. Some insurance policies have mold exclusionsâthey specifically do not cover any remediation of mold damage. These policies will not cover mold that arises from poor maintenance, water leaks, failure to adequately ventilate rooms or excessive humidity that the homeowner could have addressed with fans or dehumidifiers.
Sewer and drains back-up- A backed-up sewer or drain can cause significant damage and may be excluded from the home insurance policy. Many insurance companies offer home insurance riders to protect against the risk. If your home has a sump pump or a septic tank, this rider is a must. Ask your agent about this coverage to ensure that you are properly covered. Inflation Guard- This home insurance rider keeps the home's value current with inflation by adding a certain percentage to the home values every year.