Roof Cave in Caused by Insurer?
Your home insurance company does not certify the structural
integrity of your home. It is our responsibility as the homeowner
to maintain our home. There is no negligence here on the part of
your insurance company. Your Insurer is not a Home Inspector nor a
If it is the result of a fire, the homeowners insurance should
definitely cover it. But if it is something like a fire in a
chimney flue, maybe not. That is considered routine maintenance. If
it isn't done a claim might not be valid. Perhaps you can find some
information in your homeowners policy or…
Farm Insurance Ask your current Property and Casualty lines Insurance Agent to start with. Family farms can usually be covered under Personal Property lines and will usually be cheaper. Hobby farms can often be covered under a Personal Homeowners Insurance Policy. If the Owner is a Corporate enti…
No. The exception would be, if for instance the snowmobile was stolen off the person's property.
The deductible at the time of the accident not the time of claim.
Depends on whose fault it is. If for some reason, the house was moved to the middle of the road in the middle of the night, then it probably wouldn't be the drivers fault that there was a house in the middle of the road. But generally, houses don't move, so I would have to say the driver of the vehi…
PP is usually considered what would fall out if you could turn the car upside down. If the 'other" person had a legally perfected lien on the wheels, they would have "rights".MERRY CHRISTMAS
Builders Risk Policy
In insurance, we like to say that the difference between PC 1 and PC 10 is how many people are watching your property burn! The truth is that the number correlate to population densities. PC 1 is a major urban center and PC 10 is wide-open country. On any property policy the …
ISO Protection Class Codes You might try the Insurance Sevices Office (ISO). See related link below. They are the people resposible for setting codes.
There are many places one can obtain Homeowners Insurance Quotes.
A good place to start might be with your current Insurance agent.
Most people own a Vehicle long before they buy a house and likely
already have a relationship with an insurer or agent.
If you have an insurance agent for your auto…
It seems to me that this is reasonable. For example, if your home
has water damage every time it rains, the insurance company would
know your home is a higer risk from the property history. The good
part is, you'll know too!
Typically when you have a homeowners policy the insurance company
Insurance for your other home. Yes, If your occupancy status
has changed, you have moved or if you just plan not to occupy you
will need to notify the Home Insurer. If you'll be leaving the home
vacant for a while then you'll need to ad a vacancy endorsement to
avoid voiding your coverage. If you re…
It can be covered depending on the type of policy you bought and what of your property was stolen stolen from your vehicle. The property of another person located in a vehicle on or off your property would not be covered under your policy simply because your home insurance covers your property, not …
Sure you can, but it would likely be a fire only policy. Some flood
only policies will also come in at that price range. So basically
be ready to give up replacement cost valuation, wind, hail and
storm damage coverage along with contents and owners liability
coverage portions of your policy.
Homeowners Insurance after 3 claims Yes, you can still obtain insurance after 3 claims but depending on the nature of those claims you'll probably have to pay a much higher premium than before. You may have to search around before finding an insurer that will accept you. Weather related claims are …
There are two kinds of insurance that cover condominiums. 1. The association buys a master policy to insure all the real estate assets owned in common by all the owners. You pay this premium from your monthly assessments. 2. A unit owner buys an HO-6 policy, that insures what the owner owns, inclu…
Insurers take steps to help avoid a loss, including inspections. (a
full inspection of your home's electrical and heating systems
should be performed annually by a licensed contractor) The typical
insurance company inspection is much simpler, usually checking for
any obvious problems and determining…
If you research on the internet, you'll find insurance companies
that cover pets specifically. I keep parrots, but my insurance
company won't cover them under my homeowners insurance...I have to
buy a special policy, and then they won't cover death from illness
and certain other things. They won't c…
Home Hostage Situations No, Home owners Insurance would not be able to help you in a hostage situation. You should contact your local authorities or call 911. Homeowners Liability Insurance does not provide coverage for illegal or criminal acts of the insured nor of others. However if your home was…
However, there is an "if" to that question as with many insurance
issues. If the tree was normally healthy and the wind blew it down
is the first area to consider.
1- Your insurance company would not pay for damages to the neighbor
simply because you have no legal liability to the neig…
Homeowners insurance and Dogs
No insurance company discriminates against a dog or breed, However,
Insurance companies are increasingly unwilling to be liable for
injury due to dog attacks and more specifically certain breeds that
have been associated with historical high liability claims rates.
Inexpensive Home Insurance
No, It is not hard to get Home Owners Insurance just because your
home is inexpensive.
Homeowners Insurance and Total Loss.
It all depends on what type of coverage you have. If you have
replacement coverage, The insurance will pay to rebuild your house
so your mortgage continues as usual. If you are not rebuilding then
it will pay your mortgage within policy limits. So it is importan…
By now you have cancelled the first policy and received a refund for the unused period. In answer to your question, had you experienced a claim during the period you had two companies, they would likely share the claim payout.
Compare Home Insurance
Just contact an Independent agent. They represent many different insurance markets and are familiar with Policies available from a larger number of companies than captured agents who only represent a single insurer. An independent agent can customize a Home Owners Policy for…
Replacement coverageYes, Most insurance policies do indicate that the Insurance company will indemnify you either by compensating your monetarily for your loss or by replacement of the item with a similar or same one of like kind and quality.
Depends. If you have a spotless record, more than likely you will have the credits (discounts) from your policy removed. The policy doesn't really go up, you just loose your "Percentage Off the Retail".
Don't be fooled-- in other words, "yes." If you're used to paying [x], and now you're pa…
Bursting Pipes in the CityThe person who did the damage is, however, they would have a case against the city for not shutting it off quicker if he could find a lawyer that would take it. In Wisconsin, you would be responsible for damages to other people's property if your negligence caused the broke…
Homeowners Insurance and Tree Removal
You will need to contact your insurer or refer to your policy
language for coverage advice. It really just depends on the type of
policy or coverage you have.
If you purchased a more economic HOA or HO1 Policy then likely
there will be no coverage for tree rem…
If you have an "all-risk" policy, interior water damage, including hidden damage, should be covered. However, if for example your chimney is "leaning out." Your policy states, in the "Conditions" Section under "Your Duties After Loss" that you must give prompt notice to your company of facts relati…
Your policy probably contains a "Vacancy Clause" under Section I - Conditions. This usually refers to an insured moving out of the house and taking some or all of the personal property with him. A 30-day trip should not place your coverage in peril. It would be a very good idea to designate a family…
Home Insurance after a Cancellation
You can obtain a new policy from any insurer of your choice. Just
make some calls or look online.
If the policy has been cancelled for less than 30 days you will
likely be assessed no points against you at all by the new insurer.
You very likely can even call …
Homeowners Insurance Coverage for Sinking Foundations? Each major homeowners insurance policy will have its own earth movement language. There is very rarely a situation when earth movement is provided coverage without endorsement. One of the big three insurance carriers literally states plainly...…
Yes, Your homeowners Insurance policy, (unless you have Fire
Only) should respond to damages to your home from an automobile.
i am an insurance agent and if you have a hit and run such as
that description and you do have a homeowners policy. it will be
covered under the policy, you will hav…
Yes. The problem is that the swingset poses an "attractive threat" and without a fence, there is no safety measure. There are two options, add a fence (with a lockable gate) or remove the swingset.
Insurance for older homes You may not find a company willing to provide all-risk coverage or replacement cost coverage. You should be able to buy a named-peril, ACV (pays depreciated value due to age) policy with basic fire & extended coverage. Contact a few agents. In Florida, most insurers wi…
A pre-prepared contents inventory should be accepted by most
insurance companies and you should keep it updated. Insurance
companies may require the inventory be placed on one of their
forms. Insurance companies may also require receipts or other
documentation of ownership for these items on the inv…
Generally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house. Cracks in brick & mortar are generally due to normal & gradual settlement and are not covered. They can also indicate foundation problems (also not usually covered unless due to a plu…
One type of insurance that surely cover all your properties within
your home is property and casualty insurance. Just make sure that
you have a complete inventory of all your items so you could use
this in getting the insurance claim fron the insurance company.
The Named InsuredYes. It is a legal issue.A homeowner's policy insures the named insured for damage to their home. This assumes the named insured maintains an insurable interest in the house, meaning that they have not sold it to someone else. The policy cannot be transfered to a new owner.
Stolen Laptops and Home Insurance No, homeowners Insurance only covers theft of the Named Insured's property, not the property of others. Refer to the "Personal Property" coverage section of the policy. More s Some policies may allow a homeowner to elect coverage for the property of others while it …
Homeowners policies do not cover damage to motorized vehicles
(except lawnmowers, golf carts, off-road vehicles, electric
wheelchairs). SOMETIMES there is coverage for boats & their
trailers when stored in an enclosed building on the premises.
Homeowners Insurance and Termites Most homeowners insurance policies do not cover termite infestations, However there may be coverage for resulting damage to the structure once the infestation has been addressed, depending on the type and scope of coverage you purchased. You would need to have the t…
Termites and Insurance Liability insurance is coverage for occurrences in which you might be held financially liable. It is not possible to be liable to ones self. If your seeking coverage for a Wood Structure or Property you would look to a Homeowners Policy or some other coverage form in Property …
There is no coverage for land (dirt or soil). The only coverage for
trees is if they are felled by wind or lightning and cause damage
to a covered structure.
If you just have a tree felled or a stump out in your yard it would
not be covered, that's just part of the normal and expected owners
In most cases, yes. All policies have different provisions, so this scope is not a narrow one.You should contact your agent for coverage advice.
If you have "accidental water discharge" coverage on your policy
then it will cover damage that results from a water overflow or a
leak. If you do not have the coverage then it will not be covered.
Your policy will not cover the cost of the plumber to fix the leak
if it's a normal maintenance issu…
beg your family, friends, and neighbors.
The dwelling extension (typically 10% of the limit on your dwelling) covers other structures on your premises. This would include your detached garage, fence, gazebo, child's treehouse, well pumphouse, etc. Land (dirt) is not covered by your homeowner's policy.
Your question does not give enough details of your damage. What EXACTLY happened? Water damage includes such things as water pipe breaks & leaks, appliance overflows (washer, A/C drain line), roof leaks, wind-driven rain entering around windows & flashings, surface ground water (flood, seepa…
Usually not, that is considered wear and tear. in most cases damage due to porch falling will be repaired but not falling porch
Insurance Grace Period No, any grace period would have passed before the policy went to cancelled status. Once the policy is cancelled that means any grace period that may have been afforded will have expired. If you were still within any regulatory grace period then your policy will not be in canc…
No,, they only have to repair or replace the damage but it really
depends on the type of policy you bought. If you bought the
cheapest policy you could find than you probably don't have full
If you only had some tiles or shingles blow off, then it does not
matter what coverag…
Yes, The insurance company will generally have underwriting guidelines for every policy coverage line they offer. If Galvanized pipes do not fit the underwriting guide then your home simply does not or no longer qualifies for that particular insurance program. Galvanized water pipes are no longer u…
No, Your neighbor has a home insurance policy to cover his owned property. Homeowners insurance is specific to the named insured and the insured's scheduled property. Homeowners Insurance does not cover automobiles or motorcycles at all and does not cover property belonging to third parties except …
Homeowners insurance policies provide coverage against PERILS such
as wind, water, fire, lightning, etc. If your home was damaged by
water/moisture due to worn or deteriorated siding and you have an
all-risk policy, then the resultant interior water damage may be
covered once you have…
Almost every company offering homeowners policies also offers non-owner-occupied, or renter's policies. The risks and coverages are different when a home is not owner-occupied. Coverages and conditions will also be different because risks of loss are generally greater (i.e., your renter will not be …
It really depends on how long your policy has lapsed, but there are insurance companies that will provide you with insurance coverage even with a lapse.Give us a call and we can get you a replacement policy. 847-444-2571, ask for LIZ.
Above ground pools should be considered "Other Structures" under
Coverage B of the homeowners policy. They don't have to be attached
permanently--look up the definition of "structures" in the
dictionary. But some insurers insist they're personal property, so
check with your company. The following pr…
Tree trimming and keeping brush and shrubs cut back from the
structure is considered an Owners Maintenance issue. Maintenance
issues are never covered under a home insurance policy.
NO... Buyer Beware, Homeowners insurance policies do not cover pre-existing damage. They also typically exclude damage resulting from "ground movement" as this is a normal expected occurrence. You would look to your buyers home warranty for coverage of an un-disclosed defect of the home you purch…
Statutes may vary from state-to-state, but if the "Damage" was from
"general wear-and-tear" (Track marks from construction trucks,
divots from same, gravel kicked around) the this would not be
something he could go after you for. Best advice: he did you a
favor by allowing you to build the fence? Be…
When sewer lines are also storm drains the back up may be due to problems and overload in the city conduits. Install a backflow stop valve and seal the system to pass city health code.
Homeowners insurance and Auto Theft No. Homeowners Insurance does not provide coverage for Automobiles. You will need to file that with your Auto Insurance company if you have comprehensive Auto Coverage. More s NO. That would be something that auto insurance would cover if you had full coverage inc…
Yes, it is actually required that the insurance company reassess the value of your insured home on a regular basis. This is done as a safeguard for the homeowner. Home values change and materials and supplies to rebuild goes up. labor, materials, etc. Therefore, if some unfortunate event such as a …
Insurance and Soil Expansion It really just depends on the Policy Type that you are carrying. When it comes to purchasing Property Insurance, Some homeowners are Coverage shoppers while others are price shoppers. If you have an HO3, All Risk Policy you likely have coverage. f you purchased a more e…
No. Automobile's and parts are covered only by the automobile policy. The homeowners policy speically excludes automobiles and parts. //
Probably not-- she's in a "new home," get a new policy.-- Renter's Insurance is generally cheap and easy to come by. Dorms are different, however, and I'm not sure how they equate.
The most common homeowner's policy is the standard HO-3. Under the section listing covered perils for contents…
I've had a similar issue - I was told to make my neighbour personally liable for any damage and subsequently they can make the claim asked the personal liability section of their house insurance. Thus their house insurance settling my claim for damages
Should be. Theft is a covered peril for personal property and personal property located in the vehicle does not change anything. Your automobile policy wont cover the golf clubs. //
Maybe. Many factors are considered by insurance company underwriters in determining whether or not to accept a risk and the price (premium) to be charged. Many insurers do utilize credit reports to help assess and price a risk.//
Home Insurance and Pit Bulls The question should not be - will it go up? The question should be, will they insure you "AT ALL" any more? Most insurers these day avoid providing all risk home insurance coverage for owners of certain dog breed types. Many Home Insurance Companies nowadays automatical…
There are companies that write vacany and renovation or "course of construction policies. If your previous carrier is footing the bill for the repairs, they should continue on the policy until the home is completed. If not as them for a builder's risk endorsement or separate policy. Either way they …
Most insurance policies now carry a "Mold Remediation" limitation. That means that the policy will only pay up to a certain limit for clean up.Some policies "exclude" mold altogether. Which means you have no reimbursement for clean up.Check your policy provisions to see how your policy responds. Ple…
If the dog did actual damage to your home, then you can contact your own home insurer and see if you can make claim that way. If the dog damaged a fence or a garden, your only recourse is to call the authorities or an attorney if the neighbors will not cooperate.
If you don't want to place a…
If you carry Comprehensive Coverage on your car, you are covered for vandalism. Comprehensive covers you for all "Physical Damage" to your vehicle including thef and vandalism. One note: if you are keeping your car at a location other than your home, you need to list the alternate location on your p…
Homeowners Insurance and Trampolines
Insurance companies consider trampolines to be an Extreme
Risk, People are often injured (sometimes seriously) on them.
The claims paid on trampoline related accidents are some of the
highest an Insurer can ever encounter. The injuries sustained can
be far reach…
Your insurance actually requires that the insured make all reasonable and necessary repairs to prevent further damage to the property. The company should consider the value of what you have done and, if you have documented your efforts with receipts for items purchased and amount of time spent doin…
You should refer to your homeowners policy, liability section. Many policies may have an exclusion for 'tenants' who are injured on the residence premises. Normally, non-trespassers are covered for injury that may occur on your property. Med pay coverage provides medical expense for injured parties.…
The general theory or principle of homeowners insurance as it
pertains to the structure itself is to repair or replace it to its
pre-loss condition. It does not cover issues that are caused by
Coverage for Structural integrity and quality of workmanship issues
are generally a…
No. Automobiles can only be covered by automobile policies. //
Almost all policies will cover living expenses if a homeowner is forced to move.
Yes. For a theft loss, conditions and limitations on the amount of coverage may be applicable. Additonally, many policies limit the amount of coverage to 10% of the total policy limit for contents for all covered losses away from the residence premises. //
The liability section of the homeowner's policy provides Med Pay coverage for non-insured's (coverage F) and Liability coverage (coverage E) for injury to non-insured's. Liability coverage can include their lost wages. There are a lot of exclusions that could apply and your insurer would have to det…
Your auto policy will cover it as a 'comprehensive' loss (if you have comprehensive coverage).
They are not an excluded structure under the homeowner's policy. However, all policies will exclude damage to a retaining wall caused by the pressure or weight of water whether driven by wind or not. As this, along with the deterioration over time (also an exclusion)are the most prominent causes of …
My sister recently had a cracked slab. Her insurance did not cover it, but the builder's insurance did. Builder's insurance is usually 10 years, so I guess it would depend on the age of your home. I would also find out the cause of the crack and weather or not there is product liability insurance in…
No. Homeowners policy specifically exclude automobiles. //
Insured natural Acts? Fortunately, no one is held liable for acts of nature. If a tree fell on your house whether from your yard or some other yard due to a natural occurrence you should be covered under you own homeowners policy for the damage. Likewise if your tree fell onto your neighbors house, …
Im not sure how 'bee honey' itself could damage anything. Homeowner's policies typically excluded damage caused by insects. //NOTE ADDED: Bee hone decays once the bees are dead, and the process can cause rot as well as damage to drywall and other building materials. Leaving the honey in the walls ca…
The drain field of a septic system can malfunction from many different causes. If it is damaged from the weight of heavy vehicles driving over it, there may be a covered insurance claim to file. The insurance company would pursue re-imbursement for their payment to you from the 'at fault' party (inc…
No. Insurance policies are non-transferable. Your home insurance policy automatically became null and void the moment it was sold. No damage after the transfer will be covered under the previous owners policy. The new property owner must apply for and qualify for his own insurance policy based o…
Contact a local independent insurance agency for possible insurer's for your risk.
No. Not unless you suspect they stole it.
Homeowner policies dont make any provisions about whether or not the policy- holder is a smoker. Your life insurance company might care if you took out a policy as a non-smoker and then started smoking.
Most homeowners insurance companies do not provide mortgage financing. Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance. If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance inc…
Is the a barn or a house? Generally homeowner's insurance policies would exclude a deteriorating wood floor situation.
Homeowners policies have an exclusion for 'settling, shrinking, bulging, cracking, ect. of a foundation or wall. You can report the claim and see what your insurance company does, maybe you are on a sinkhole.
I don't know about a water main break but i had a main drain line cap come off under my house causing my crawl space t become the sewer for approx. 1 and half months until we finally noticed the smell. I had the fixed but all the water that had ran under my house caused it to sink in some spots. I w…
Speaking just from my personal experience in New York, when I purchased a home that had gone into foreclosure to renovate, I could not get a full homeowner's policy on it. Not only did the insurance companies want the home to be perfect before they would insure it, but even after the necessary repai…