10/14/2026
A sinkhole swallowing a bedroom. An iguana frozen stiff falling out of a tree onto a windshield. A stray golf ball putting a hole through a lanai screen, again. South Florida homeowners file some genuinely odd claims, and most of them have one thing in common: nobody saw it coming. That is really the whole argument for homeowners insurance in one sentence. The ordinary stuff rarely needs a policy. It is the stuff nobody plans for that does. More Halloween-season curiosities (and the coverage questions they raise) all month: https://hubs.li/Q04yR-np0