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Are dishwasher leaks causing damage to another unit's ceiling covered by homeowner's insurance?
Wiki User
∙ 18y ago
The other person's insurance will have to cover their OWN damage. If a tree in your yard falls onto your neighbor's house, the neighbor has to use their own insurance. So it works the same for your case. Your insurance will cover your damages and the nieghbor's insurance will cover their own ceiling.
Wiki User
∙ 18y ago
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What kind of insurance determines the value of what was destroyed or damaged by fire or other events causing loss?
This would be either your homeowners insurance or your renters insurance.
If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?
If a Homeowners dog bites a child and tears their lip open causing multiple surgeries what is the insurance liability to pay medical bills liability or compensation?
Does homeowners insurance cover water damage from a leaky dishwasher?
The insurance company will cover the damage caused by the water only, e.g., drying out the ceiling and floor covering. They will then pay to repair the room; damaged walls and floors. If the skylight leaked due to hail damage or other falling objects, the insurance will pay to replace the skylight.
Will homeowners insurance cover repair to chimney due to water and ice dams forming causing chimney to crack?
yes this would be damage caused by ice..not by general deterioration
Does your Texas home owner's insurance cover you for your negligence in causing an accident with injuries or death to 3rd parties while you are participating in a car and motorcycle club event?
No, your homeowners insurance is specific to your home and certain liabilities that arise from home ownership. Auto and motorcycle accidents are covered by your "Auto or Bike Insurance" not by your home insurance.
Does homeowners insurance cover a retaining wall collapse?
Coverage is always determined by the cause of the damage. If the damage was due to a "Covered Cause" then you have coverage. If not then you don't have coverage. Movement of earth is usually excluded from coverage on all homeowners policies. If there was a storm and a tree fell on the wall causing the collapse then you do have coverage. If it fell due to roots from trees pushing it over then sorry but it will not be covered. Insurance damage must also be sudden and accidental. If it happens over time it is a maintenance issue and insurance does not cover maintenance.
What will happen if someone sues your homeowner insurance Will this affect you in the end?
No suit should be filed against your homeowners insurance but any liability suit would be filed against the homeowner themselves. At that point you would turn it over to your insurance company and they would take care of everything. The person suing would have to prove you were negligent for something causing damage to them.
Does homeowners insurance cover flooding in crawl space?
You always must determine the cause of the damage. What made the crawl space flood? If the cause is due to torrential rain then a homeowners policy will not cover this type of loss. What you would need here is a flood insurance policy. If for instance, a pipe burst, therefore causing the flooding of the crawl space, then the regular homeowner's policy will pay for the damages, except for the actual pay for the repair cost of the actual piece of the pipe.
Would homeowners insurance cover damage from a leaking gutter that damaged an enclosed porch ceiling and items on the porch?
No. Homeowners insurance is probably the best bargain in insurance by offering a great deal of coverages for a surprisingly small premium. The situation you are describing is not an insurance matter but a maintenance issue. It is not made to cover maintenance of the home but covers accidents that are "sudden and accidental". Homeowners insurance covers incidents that are caused by a covered cause such as theft, fire, lightning, windstorm, vandalism, weight of ice and snow, and many others. Things that happen over a long period of time are maintenance and are therefore not sudden or accidental and are not covered. An example would be a leaking roof caused by condensation from the A/C is not covered but if a storm caused a tree limb to fall on the roof poking a hole and causing a leak then damage would be covered.
Is homeowner liable for hidden liability. Present owner of property bought home. Manhole was cemented over by previous owner causing a blockage in sewer line shared by neighbors. Is homeowner liable?
NO, you would not be liable for an unknown, undisclosed, pre-existing condition as described. Neither homeowners insurance company would likely consider the situation a covered peril under the terms of a home insurance policy. This seems to be a maintenance issue that would need to be addressed by the individual homeowners. It would be advisable that the homeowners contact a plumbing service and have a separate sewage access main installed on each homes property to facilitate future maintenance.
If a tenant lives in your condo and a common area pipe leaks on their car causing damage should the HOA cover this or will your homeowners liability insurance cover this or neither?
Read both your master policy that covers the condominium association's assets and your homeowner's policy to verify coverage.Also, the tenant's insurance may be a possibility for coverage.Basically, it will depend on the cause of the leak, and that will determine which policy, if any, covers the damage.
How does unemployment effect insurance industry?
Unemployment insurance can increase the reservation wage, causing insurance prices to go higher. It makes the insurance industry overall weaker.
