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Does farm bureau home insurance cover a carpet damaged by children?
Wiki User
∙ 15y ago
Check your insurance policy. If you selected medical coverage when you purchased your policy. There is usually a small amount (about 500 dollars) of medical for the named insured that covers minor house hold injuries. Otherwise you would need to look to your health or major medical insurance policy for personal injuries.
Wiki User
∙ 11y ago
Wiki User
∙ 12y agoIt would depend on the type of injury and who was injured as well as whether you purchased certain coverage with your homeowners insurance policy.
Homeowners insurance is also known as "Hazard" insurance specific to the named insureds property. It falls under property and casualty lines.
If you elected Liability coverage when you purchased your policy, the liability portion of your Home Insurance would provide coverage for damages and legal defense costs for assertions of liability and claims of personal injury to another.
If you elected medical coverage with your home insurance policy and a member of the household sustained an injury around the house. You may also have some small amount of coverage available, However, the medical coverage on your home insurance is generally a very small amount and is not meant to replace your now (Affordable Care Act) mandatory health insurance policy.
If the injured person was a hired worker, there would be no coverage under your home insurance policy.
Contractors are expected to provide the coverage necessary for their field of operation. A homeowner is not expected to anticipate nor to cover the insuring needs of a contractor who holds themselves out to the public as a professional. If they could do this, homeowners would find themselves being sued every-time a contractor or his employee got a thumb smashed with a hammer or gets a splinter from handling the lumber and such.
Household employees are covered under the workers compensation that you are required by law to provide to them at the time of employment, unless of course they are a contract worker in which case, the above paragraph (contractors) would apply.
Wiki User
∙ 13y agoYes, there should be coverage on your policy.
Wiki User
∙ 15y agowear and tear is generally not covered
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How damaged does carpet need to be before Farm Bureau will include it in a claim?
If the carpet was damaged from a listed peril (smoke, fire, etc.), the average policy will pay (after your deductable) to have it cleaned or replaced, depending on the damage.
Will insurance cover the cost to replace the carpet throughout your house if the majority of it was damaged from an accident And you have the same carpet throughout now.?
No. If your carpet was damaged by a covered peril. Your insurance policy is only responsible for repair or replacement of the damaged part with like kind and quality. Their is no coverage for cosmetic aesthetics or exact match issues.
Can you claim carpet damage on your homeowners insurance?
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
If a waterline burst and floods half of my carpet in the living room Will insurance pay to replace all the carpet in the room or only the damaged half?
Call and ask your claims agent. Probably the whole carpet.
Does farm bureau home insurance cover damage to carpet by oil?
heating oil? that is considered a polluntant and generally excluded as a cause of loss
Is carpet replacement covered in home owners insurance?
It depends on why you need your carpet replaced. If it was damaged due to a covered peril then it will be covered. If your carpet is just old and worm due to usual wear and tear then it is not covered.
Will insurance cover a hot water heater?
Regular home owners insurance does not cover a water heater. If it leaked and damaged the floor, carpet, walls or furnishings, those would be covered, but not the heater.
What is the value after depreciation of carpet damaged by water?
The insurance company uses a depreciation calculator, which deducts replaceable value determined by the age of the carpet. If you have a "recoverable" depreciation you will have to first spend the money for the carpet, then submit documentation (invoices and receipt) to have the remaining amount sent to you
Does homeowners insurance cover damage to carpet?
If damaged due to a covered peril such As Fire, Wind, Hail, etc,, yes it's covered subject to your deductible.. If damaged to due to wear and tear, No, it would not be covered.
What is involved in doing a carpet repair?
Repairing a carpet involves grafting a matching piece of carpet into the damaged area. The damaged area is removed and replaced. Be sure to line it up so that the fabric nap aligns with your existing carpet.
How can you repair your home carpet?
You can repair your home carpet by patching torn areas with damaged rugs.
Can an insurance company pay to replace only part of your carpet when it is damaged.?
Yes,, that can Happen but it depends on what kind of policy you bought. If you purchased a "RC" replacment coverage policy then it will pay to replace all the carpet that is damaged from a covered loss.If you bought the cheaper "ACV" actual cash valued policy then it will only pay the depreciated value of the damaged carpet. This may make it seem that they are only paying for part of it if the replacement cost is higher than the depreciated value.
