前幾日一睇到呢單新聞,就馬上睇下自己份家居保險(NB: 我有加買reconstruction coverage)包唔包自己樓下拆去主力牆導致自己單位之損失,發現係唔包的。事關佢條general exclusion clause 寫明不包的unauthorized building works 係指 any unauthorized structures and/or unauthorized demolition works on or within “the building”;即係話自己冇違規但樓上樓下有,保險都唔包喇