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Will your home owners insurance pay for rodent damage to your stove?
Wiki User
∙ 13y ago
the standard homeowners policy excludes damages caused by rodents, insects and vermin. some states expand this language even further to name the specific types. all policies would include a deductible - the average stove may not exceed the deductible anyhow.
Wiki User
∙ 13y ago
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Will flipping a breaker on and off damage a stove?
No, it will not harm the stove.
Is your multi burning stove cover by your house insurance?
The stove would be covered just as any other part of the home and contents are covered. Make sure you tell the agent and insurance company about the stove and they want to inspect it to make sure it is installed correctly and is not a hazard.
You live in a condo and leave a pot on the stove that causes damage to your's and three other units who is responsible for the deductibles?
This may be a civil court matter. Each homeowner is subject to the deductible on their respective policies. However, it is likely that if the other three unit owners sue you in court they would be awarded damages since you admit the damage was caused by your negligence and that cost them money. Damages would include the unit owners having to each pay the deductible on their own homeowners insurance. You should seek legal advice from an attorney. It may be wise for you to simply pay the deductibles rather than risking being the defendant in three lawsuits.
If you have a living trust and a umbrella insurance policy can the trust be sued.?
If you have a living trusts and an umbrella insurance policy can the trust be sued in an auto accident.
After what events is smoke damage restoration required?
After a small fire on a stove or by a heater, smoke damage restoration may be required. Small fires are not as bad so not much has to be restored.
Does an electric stove have to be upright to transport it?
You can transport an electric stove however you wish, make sure to remove the stove top elements and drip trays if your transporting the stove on it's side. I do however suggest lying the unit on it's side or back, you do not want to damage the front.
How much will your insurance go up if you put in a wood stove?
whether your insurance cost would or would not go up should you add a wood stove to your residence is dependant on your particular state regulations and your insurance carriers particular underwriting guidelines. ISO says it must be properly install by a Licensed contractor. Best thing to do is give your insurance carrier a call before installation he or she should be able to advice you on the best possible way to proceed.
If you heat up an alcohol like vodka or whiskey in a pan on the stove will inhaling the steam get you drunk?
Not likely, but you could damage your lungs.
Where can I find an owners manual for a kalamazoo wonder stove model WIN17?
Kalamazoo Stove Company stopped manufacturing stoves in 1952. The best place to look for a manual would be on an internet auction site or possibly a book dealer that deals in older books.
Home Warranty Insurance?
Home warranty insurance is a growing business. Home owners have realized that appliances don't last forever. With home warranty insurance, they can extend the protections of warranties to their refrigerator, stove, dishwasher, hot water heater, air conditioning system and more. Home warranty insurance costs are tied to how many appliances and systems you want to cover in your home. Repair bills and replacements can add up fast. Home warranty insurance helps reduce the uncertainty by providing lower repair costs and offering a replacement if it can't be fixed. This allows you to plan your finances without fear of a sudden large expenditure.
Can diamond ring be ruined by boiling dry on stove?
The heat built up in a dry pot on a stove may be intense enough to damage the metal in a diamond ring, but won't reach a high-enough heat to threaten the integrity of a diamond.
What defense is available for a tenant if he has no insurance and a fire started from his stove?
A person has a duty to operate dangerous equipment with the ordinary care of a reasonably prudent person to avoid damage or injury to others. If the stove was defective, or the fire erupted from some unforeseeable circumstances, it might be shown that the fire was not caused by any lack of care by the tenant. On the other hand, the tenant is responsible for returning the premises in the same condition as when he rented them. That is why renter's insurance usually includes liability coverage; it covers accidents that injure or damage others. We suffered a similar situation. I was using hot oil on the range when it suddenly flared up into a torch. I was unaware the flames had lept into the hood. I was able to get the stovetop fire out. But when thick black smoke barreled through the house--I got out and called the fire department. The hood and stove were totaled. The landlord filed a claim with their homeowners' insurance. The insurance rep came to the house and lectured us about now having renter's insurance and warned we would be sued for the full amount of all of the repairs and cleaning. The total cost was $6,000: new cabinets, cleaning the floors, walls, ceiling fans and the blinds that belonged to us. The landlord received check for the full amount, according to the Nationwide rep that called me and tried to get me to pay $6,000. They asked me several times if I left the home with the stove on and I told them I had been there the entire time, following a recipe and it was not negligence. The landlord replaced only the stove. The cabinets are ok but not for the $1,000 rent we pay for a 20-year-old damaged home. We were never sued by the insurance company. Now, we want to move out of this home in which we have lived for nearly 7 years. I don't know how to handle whether or not we should get the security deposit back. If anyone can help please do. We feel we have been getting ripped-off for a few years. Please help, If the premises are not returned to the landlord in the same condition as when you rented them, they are certainly entitled to bill you for any repairs necessary from your possession of the premises, and keep as much of the security deposit as necessary to cover those charges, MINUS whatever they have collected from their own insurance. to cover the same damage (they can't collect twice). Your liability insurance (renter's insurance) should cover accidental damage to the landlord's property.
