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.
This would be either your homeowners insurance or your renters insurance.
It sounds like you have a maintenance issue rather than a covered cause. For example, if a water heater leaks over time causing damage then it is maintenance and therefore not covered under your homeowners policy. If the water heater burst open or splits causing water damage then the damage would be covered even though the water heater itself is not covered. The difference is it must be sudden and accidental. Also with a dishwasher you should be able to see it and get the water up thus keeping it from causing damage.
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?
yes this would be damage caused by ice..not by general deterioration
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.
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.
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.
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.
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.
Unemployment insurance can increase the reservation wage, causing insurance prices to go higher. It makes the insurance industry overall weaker.
not sure what you are referring to as a ''property'' insurance policy........ homeowners policy, direct physical loss would mean......(the key here is ''direct''), the tree fell on the house causing a 'direct' loss to the roof, and an ''indirect'' loss to the interior dwelling from the rain that came in.......if you could be more specific I'll try and help more..........
Probably the type of soap. Are you using a rinse agent such as Jet Dry. It does make a difference.
If you elected to have coverage for accidental water discharge when you purchased your policy, then Yes, your homeowners' insurance will cover any resulting water damage. Accidental water discharge coverage invokes only after the homeowner has repaired the offending leak that is causing the damage. Water discharge coverage does not pay for the repair of the toilet itself as this would simply be an owners maintenance issue and not a covered peril. Check your policy to make sure you have Accidental Water discharge coverage. Sewage back up, another maintenance issue, is also not covered by standard policies, although resulting damage could be covered.
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.
There are a few possible causes. One cause that I find people frequently comment on is the detergent you use. Some of them are more harsh and may cause staining or discoloration. Sometimes it can be caused by the silverware not being dried soon enough. Another possible cause is other objects in you dishwasher adversely reacting with your silverware. If this is a new problem with the same home, same dishwasher, same silverware I would start with changing the detergent and/or rinsing agent.
Most homeowners policys exclude 'gradual deterioration" the loss must be ''sudden and accidental'' but certainly turn in the claim to find out for sure.
A person who is sexually aroused by causing pain to another is called a sadist.
If you paid for installation then I'd say maybe yes... If you hooked it up and installed it, then deft no... Just my opinion...
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.
Damaging someones property or causing injury or death.
Causing a fracture.
Each state has different minimum insurance requirements, causing insurance premiums to differ from state to state. According to the National Association of Insurance Commissioners, Iowa is the least expensive state for auto insurance, followed by North Dakota, and Idaho.
It really just depends on the type of insurance policy you bought. If you bought the HO3 All risk Home insurance policy, you may have coverage for both the sewage line and the resulting damage. You'll need to check your policy or contact your insurance agent to find out. Under Most homeowners Insurance forms, HO1 and HO2, Main Sewage lines maintenance and repair are not covered. However, if you elected to purchase coverage for accidental water discharge. Although the sewage line itself might not be covered, ensuing damage would be covered, but only after repair of the causing factor (the faulty sewage line).