Not covered calls would be light fixtures, door bell systems, pr-existing conditions, any appliances, including air conditioner, upgrades to existing wiring or panels, any low volt systems, security wiring. ADT-On-Call as you referred to them is incorrect. Adt called it Electrical On Call after they acquired it from SCE. They shut that division down in November of 2010. At the time of acqusition, it was the most profitable division of TYCO
an insurance adjuster is called to assess the damage to the covered vehicle for repairs
That issue should be addressed in the contract.
If you are speaking of mechanical repairs the answer is no. Auto insurance is only made to pay for damages from covered accidents or comprehensive claims. Maintenance and mechanical repairs are not covered causes.
Yes, you will be responsible for the repairs yourself due to your liability on the contract.
Service contracts that you may buy with a new car provide for the repair of certain parts or problems. These contracts are offered by manufacturers, dealers, or independent companies and may or may not provide coverage beyond the manufacturer's warranty. Remember that a warranty is included in the price of the car while a service contract costs extra. Before deciding to purchase a service contract, read it carefully and consider these questions: What's the difference between the coverage under the warranty and the coverage under the service contract? What repairs are covered? Is routine maintenance covered? Who pays for the labor? The parts? Who performs the repairs? Can repairs be made elsewhere? How long does the service contract last? What are the cancellation and refund policies? Click here for more about used car service contracts. As an appliance installed I suggest that everybody buy an extended warranty on ice machines. It will definitely pay for itself. As far as other kitchen appliances, it is probably not worth the money.
The Homeowners own personal labor no, that would not be covered. But if you hired a mover then that would almost certainly be covered so long as the repairs being made are also the result of a covered peril on your policy.
wear and tear, deterioration is not covered
Only if you know he is a qualified workman.
complication
No. You sign a contract agreeing to keep the car for the specified time & any repairs not covered by the warranty are on you. you can turn the car in early but there are usually large penaltys involved.
In most cases, the renter of the lease purchase house is required to do the repairs. The renter should do a full house inspection before signing their contract.
If the selling dealer pays for some repairs on a car you bought "AS IS" then count yourself lucky that the dealer went above and beyond what he legally was required to do. If you are trying to get out of the contract on this technicality then you did not deserve the fair treatment the seller gave you. No court would ever void the contract because the seller helped you when he did not have to.