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What else can I help you with?
What is a homeowners obligation to homeowners insurance after a water pipe breaks in the home?
The home owner must notify the insurer of a covered loss in a timely manner as defined by your home insurance policy and must take prudent (reasonable) action to mitigate damages. Examples of mitigation efforts might be, Shut off water supply, call a plumber, remove other items from harms way. If you need to call a plumber, you should keep receipts for reimbursement purposes in the event the broken water pipe and resulting damage is covered under a peril listed on your policy, and assuming the plumbers bill exceeds your policy deductible. Covered perils are typically Fire, Wind, Hail etc. as detailed on your policy. Broken pipes resulting from ground movement, deterioration from age or normal wear and tear are considered home maintenance issues and are not covered perils under a homeowners insurance policy. Although the broken pipe itself may or may not be covered depending on the cause of the break. ensuing damage would be covered if your home insurance policy has coverage for damage from an accidental water discharge.
Can someone be removed from a homeowners insurance policy without their consent?
The policy owner, usually the Primary named insured, can add or remove people and coverages from the policy they purchased as their coverage requirements change.
Is damage from bees covered on your homeowners policy?
That depends on the homeowners policy you bought, most homeowners insurance policies don't cover insect infestations but many will cover resulting damages if any, once you have abated the infestation. So first, call an exterminator to remove the Bees, Then if there is any remaining damage after removal, contact your home insurance company about coverage for any needed repairs. If damage is minor or below your deductible, it might be cheaper just to hire a handyman for that than filing a claim.
If you advise an insurance company about a dead leaning tree but do not remove it and it falls in a storm are you covered for the damage?
You are covered if they did not instruct you to take it down and your insurance is still in force. But, if you read your homeowners policy carefully I am sure you will find that it is your resposnibility to take it down if it poses a threat of property damage...so that being said, they could deny a claim. 4lifeguild
Can your agent who is also the best friend of your ex remove you as an insured on your homeowners policy even though you co-own the property?
If you own the property you are an insured. The agent can't legally remove you from the policy. If he does he is subject to review by your states Insurance Licensing Bureau.
Is a downed pine tree covered by homeowners ins?
Contact your insurance Company and ask them. Most homeowners insurance policies will only cover the cost of tree removal if the tree fell on the house, otherwise if the tree fall did not damage you insured property improvements, then it's just the homeowners own responsibility to remove debris after the occasional storm.
Will homeowners insurance pay to remove mold?
No
What is builders insurance?
Builders insurance is a term that is used when speaking about insurance that covers a home while it is being constructed. The policy needed to cover a home while in construction is dependent on who actually owns the home during this time. If it is a home that is being built by the builder such as a spec house that is being constructed with the hopes of selling during or after construction then the policy needed is a dwelling fire builders risk form with the builder as the insured. If a person purchased or owns property and then is hiring someone to build it or self contracting the work then the person who will live in the home will insure it in their name. We often times will write a regular homeowners policy and get "permission to complete" from the insurance company. This way the home is covered while being built and then the insurance company is notified when finished to remove the "permission to complete" endorsement when finished and it is a normal homeowners policy and covers the contents without having to write a new policy.
Why do you remove your hats for a fallen soilder?
It is to show respect and to feel humbled.
Does homeowner insurance pay to remove a tree damaged by a storm that now puts your home in danger?
No, That would be considered part of the homeowners maintenance responsibility. Failure of the home owner to properly maintain the structure and property could indicate negligence or a moral hazard on the part of the homeowner. Negligence can result in denial of an ensuing claim and cancellation or non renewal of the homeowners insurance policy.
Lowering The Cost Of Homeowners Insurance?
Homeowners insurance can be a delicate topic. It is one of the more expensive forms of personal insurance. One of the few ways that you may be able to save money on your homeowners insurance, other than shopping around for a better rate, would be to remove unnecessary coverage. Of course, this means you would have to remove coverage for some events that you think may be very unlikely. It is a risk you may want to take in order to save money every month. Removing insurance for weather damage that is nearly impossible in your climate would be a first step. Another option may be to remove insurance for theft and instead invest in a low cost home security system. Homeowners insurance is by no means inexpensive. Thinning down your policy is one way to help reduce that cost.
How do you remove someone from your auto policy?
Call your insurance agent and ask for them to be removed from your policy.
