Question about your homeowner’s insurance statements. My insurance company told me that my policy does in fact cover the new, detached, ADU we built on our property. Is that something that varies by company then?
Things can vary by insurance company. The main thing I see where insurance does not pay out on a loss, is when the insured property is not being used for it's insured purpose. So if the property is insured as your primary residence or 2nd home, but you are using it to generate income, then it's not being used for it's insured purpose. You basically have to read your policy from the insurance provider's point of view, and if you find a legal loophole that would enable them to deny a claim, you need to get with your agent and fix that loophole.
if I go back to my insurance company to verify what they told me?
What you're told verbally can hold very little (if any) weight in the legal system. It's a "he said she said" situation, and what's in writing in your policy is all that matters. Insurance companies have a team a lawyers. You don't. Get it in writing.
Insurance companies don't make their profit by selling policies per-se. They make it by denying claims on any legal ground they can grab hold of.
