It just depends on whether you are liable for the acts of your grandchild or not. It might be that the childs parents are legally liable for their acts in your jurisdiction. Not knowing your local regulations, theres not enough information in your question to answer properly.
In general though, If you are not liable, then your insurance would not need to cover it because your not responsible. If you are liable then it should be covered under your liability coverage but not under your property coverage terms because it's not your property.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Not usually. The neighbor's homeowners insurance would cover it underneath their liability insurance.
Yes
Ask them. If they want to tell you they will.
it depends upon how the car was damaged
yes it does i know because someone broke our fire-pit and insurance covered it
No, Your Homeowners Insurance will not cover windstorm damages to your neighbors vehicle because you are not liable for acts of nature. Your neighbors will have to look to their own Comprehensive Auto Insurance to cover windstorm damages to their vehicle.
No. Homeowners insurance doe snot provide coverage for automobiles manufactured for use on public roads. That's what Auto Insurance is for.
You are not responsible nor liable for Acts of Nature. The windstorm coverage on your policy covers your home, not the neighbors. Your neighbors Homeowners Insurance Policy will cover his damages as stated in the terms of his Policy. It's no different than if his own tree fell on his house.
You can sue anybody you want. Even the President. But in this case, the insurance company did not cause your sons death. You will need to sue the neighbor directly and if he has liability coverage then his insurance company might defend him in the suit.
Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature. Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors car is not listed as covered property on your Homeowners policy. Your homeowners insurance would also not pay if the tree fell on your own automobile. If a tree falls on someones car they should file a loss claim with their Auto Insurance Company. If they have comprehensive coverage then it will take care of their loss.
You don't need too. Just make your loss claim on your own homeowners insurance policy. If your neighbor is liable for your loss then your Insurance Company will subrogate the matter for you.