wear and tear, deterioration is not covered
Repairs are maintenance and homeowners insurance is not intended to cover maintenance of your home. This is up to you to maintain your home. Insurance is made to cover sudden and accidental damage of a major cause such as fire, windstorm, lightening, and like causes.
No. Unless the foundation problem happened because of an earthquake or flood (and you have insurance to cover both catastrophic events), then your insurance will not cover something that has degenerated with time.
Yup.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.
No. Homeowners Insurance does not cover the owners default on a mortgage note.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Home policies include this coverage. These are necessary repairs for a large or total loss. I never have known for this to be excluded.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Your homeowners insurance should cover damage to your sprinkler system if the cause of the damage is covered by your homeowners insurance policy such as fire, lightning, freezing of pipes, etc. Homeowners insurance is not a maintenance policy and will not cover mechanical failure of your system.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
No, your Homeowners Insurance will not. Your Medical Insurance Will.