Inside your home or outside and did you bother to READ your policy?
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
Not usually. Usually water damage has to be from a sudden burst of plumbing or flood or some sort. Any negligence in homeowning is a touchy subject for insurance.
No, your neighbour would have to call his own insurance company to get them to come in to take care of the sewage, unless you are some how negligent in the situation your insurance company will not help them.
It depends on plan/company you have. (NOTE: This answer is coming from a 13 year old)
some will check your policy to make sure
If you are filing a homeowners insurance claim because your basement was flooded then be sure to be specific when making the claim because most homeowners do not have flood insurance. If your basement flooded as a result of a broken or leaky pipe or from some other cause from inside the home then you should be fine but if your basement was flooded as a result of an outside source then you may not.
There is a great number of variables for this. You need to contact your specific insurance agency for details.
If you elected "Accidental Water Discharge" coverage when you purchased your policy then yes, you should have coverage up to the specified limits for this type of loss.
It depends on your insurance company, and what kind of insurance you are talking about. Car insurance, you pay deductible if you are at fault and they'll cover the rest of the repairs. If someone else is at fault, that driver will usually pay everything with their insurance. Home insurance, you pay for repairs that are not covered (ie plumber, appliance repair). However, your insurance will pay for any damage that was caused to the actual structure of your home. Say you have a leaky pipe, you pay the plumber, but they'll come in and cover all the damage the leak did. Same for an appliance like a washing machine or a dishwasher/fridge. If those leak and damage your floor or cabinets, you pay to repair it but insurance may cover the damage that was done. Most people have a deductible that you still have to pay but beyond that, they'll pay the rest. Hope that answers your question. ^_^
The insurance company will cover the damage caused by the water only, e.g., drying out the ceiling and floor covering. They will then pay to repair the room; damaged walls and floors. If the skylight leaked due to hail damage or other falling objects, the insurance will pay to replace the skylight.
$20 to $400, just depends.
Some insurance companies will cover some of the cost of slab leak repair. You will not be able to get covered for the actual labor to cut the pipe, or the repair parts, but if you have slab leak coverage, the insurance company may pay to find the leak, dig to access the leak, and repair the concrete as well as the floor above the leak's location (subject to the terms and limitations of the policy). Some insurance companies will not cover the cost at all. Call your agent to start the process. If you are dissatisfied with the result, you may want to consider hiring a licensed independent adjuster to analyze the policy on your behalf and to act as your advocate.