Does home insurance cover damage caused on a worktop by leaking tap?
no working so you had to call plumber to check your leaking tap. please send money and IPAD about two please for me and my brother
It depends on what caused the roof damage. If it was caused by a covered loss (wind damage) then your Insurance Company should pay for the damage. If the water leaked through the roof as a result of wear and tear, then the roof will not be covered but the resulting water damage may be covered.
No since an insurance company would not want to be liable for damage caused by the leaking roof.
Always check your policy. Insurance companies are in the business of making money. You would assume that this damage is covered but it depends on the policy. Most companies in Texas do, but it is not a given. Always call your insurance company and ask if damage is covered. Repairs are almost never covered anymore.
Will homowners insurance cover interior water damage if the leaking roof is not covered because it was not caused by weather damage?
It may, call your claims department or your agent. If the damage was a result of the owner's neglect of regular maintenance, but ask your agent anyway.
Home Insurance and Leaking Pipes If you can see the leak, then it's your responsibility to get it fixed. If you wait until it bursts or the leak causes damage, your insurance may invoke the negligence clause and not pay for it. It all depends what you tell them. Answer Coverage really depends on your policy type and the cause of the leak. The Leaky Pipe If your pipe is leaking due to damage resulting… Read More
Yes, most homeowners insurance will cover this type of damage. You need to read your specific policy for exclusions for water damage.
Can homeowners cover hidden water damage behind a wall caused by leaking water from-neighbors bathroom?
It could, But just as with most insurance issues. It all depends on the type of coverage you purchased. The best source of information is your insurance company or your insurance agent to determine the scope of coverage you selected when you purchased your policy.
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… Read More
Generally, homeowners insurance policies exclude property damage that is caused by rodents (vermin). This type of damage may occur over a long period of time and not meet the definition of "sudden" loss.
No. Insurance does not cover mechanical problems.
It depends on if the leak was sudden or if it was a long term, gradual problem. Insurance usually does not pay for things that could have been prevented by proper maintenance. For example, if a tree fall on the roof during a rain storm, and you have water damage from that, it should be covered. If the roof developed a leak and needed repair, and later you discover water damage, it may not be… Read More
If your roof is leaking due to a loss suffered from a covered peril under your policy such as fire, wind hail etc. (see your policy for covered perils) then your roof leak as well as any resulting damage should be covered under you home insurance policy. If you roof is leaking simply because it is old and has reached or or surpassed it's life expectancy (an expected and normal home owners maintenance issue) the… Read More
Is the lady that ran into the rear of your car responsible for my car if she did not have liability insurance?
Assuming the woman is at fault and caused the accident, she is certainly responsible for the damage caused. Whether or not a person has insurance has no impact on liability and they are still legally required to compensate you for the damage. If she refuses to pay outright, you will have to take her to court in order to recover. That's the frustrating part when people don't carry insurance. In most states, drivers are required… Read More
It should but you need to specify which insurance you have.
er damage caused by windows
If you hit a high water area and hydro planed and hit a tree will comprehensive insurance cover the damage?
Your collision coverage should pay for the damage caused by hitting the tree. Comprehensive insurance covers water damage, hail and flood. However, in your scenario, the damage was only indirectly caused by the water. Damage to your car caused by hitting another car or a fixed object is paid for by your collision coverage.
Third party insurance basically protecting yourself from the actions of another persons. It covers the damage you caused to a third party only - injury, death, and/or property damage caused to a third party in the event of an accident caused by the use of the vehicle.
Will home insurance cover damage caused by a sudden leaking hose to the refrigerator that occured while you were out of town for a week?
As long as the leak was sudden and accidental and was reported promptly it will probably be covered. It all depends on your policy's covered perils and exclusions, they vary greatly.
repair to the roof not covered. resulting water damage covered subject to policy deductible
If you have insurance that include tornado damage, the insurance company will pay. If you haven't, the property owner has to pay himself. Cost of life.
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
Pre Existing Damage No. Your Homeowners Policy would not cover pre-existing damage.
Assuming you have insurance, you should first of all tell your insurance company about the damage. If you have insurance your insurance company should repair the damage for you (at no charge to you) and it is up to them to ask your neighbor to pay for the repairs. However, it is also important that you politely tell your neighbor about the damage (to ensure that the leak that caused it is fixed) and that… Read More
depends on the damage you caused and the intent...all policys (far as i know) have an exclusion for 'an intentional act' that is different than you causing the damage, you cause the damage when you rearend someone but that is covered...see? what is the damage and how did you cause it?
Answer It may vary state to state but generally NO insurance will not cover the leaking pipe but it will cover the cost to get to it and repair the damage done to get to it as well as cover the damage done from the leak. You are on your own with the cost of the plumber. Best bet is to read your policy on exclusions. If it is not excluded, it's covered.
Your health insurance would pay for your injuries. You would have no coverage for your liability (damage you caused to other people's property or persons) or for the damage to your motor bike.
No, they will not cover it. However, if a gust of wind knocks it down, then they will cover the fence. Insurance does not cover damage caused by insects.
The term collision in insurance covers the cost of damage to a car that is the fault of the insured. Collision insurance does not cover any damage caused from vandalism or theft.
A leaking roof is considered a maintenance issue. This means that damage is not coverage on any property insurance policy. If, a storm occurred , causing a tree to fall through your roof while it was raining, that would be covered including the damage due to water, the tree, contents, etc. The key to insurance covered incidents is that they must be sudden, accidental, and not predictable. A leaking roof happens over time and should… Read More
It depends on how the damage was caused. It must have been caused by a "covered cause".
TV insurance protects one's television in case of any damage caused by things like weather. If a hurricane were to damage one's TV, an insurance company would cover the replacement costs.
No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.
Does a neighbors insurance have to pay you for fire damage to your property caused by your neighbor?
If your neighbor is liable through negligence for causing fire damage to your property you could file a claim on the liability portion of your neighbors insurance policy. If he caused the fire intentionally then his insurance company would not pay for damages as criminal acts are not covered.
Very much so. Excess fuel caused by a leaking injector can wash the bore, this can cause a seizure. Also excess fuel can dilute the engine oil, again causing a possible engine seizure . And on a lighter note, leaking injectors can certainly damage the contents of your wallet.
Does your minimum liability insurance pay for damage caused to the other person's car when you are at fault?
Only if it was caused by a collision or sabotage.
Most policies will cover fire/smoke damage caused by any event other than arson. If the fire was accidental in nature more than likely your insurance company will cover the damage to your home. Call your company and report the claim. If the company does not cover the damage contact an attorney in your local area who specializes in first party insurance law. He/she will be able to help you.
If the insurance does not sufficiently cover the cost of your car who should you go after in small claims court?
It depends on who caused the damage, and what the agreement with insurance is.
What if someone else drove your car caused damage only to your car can you ask him to claim the damage on his insurance?
The car's insurance would kick in first because YOU gave them permission. Their insurance would pay for whatever is left over.
If a homeowner does some plumbing DIY and the plumbing fails and causes damage will the insurance company still cover it?
In most countries, insurance companies will only pay out if a registered plumbing contractor has done the job and caused damage. This way its easier for insurance companies to stop insurance fraud because the damage caused by the plumber will be backed up by invoices and service agreements. To save yourself the headache, and the possibilities of causing damage to your house, if you can afford the cost call a registered plumber to do the… Read More
Will home owner's insurance cover damage caused to plumbing and damage from leaking due to house settling?
No. Your policy is broken up into sections. Near the middle of your policy you should find a heading which says Coverage A Dwelling and Coverage B Other Structures. Then a short paragraph ending with ...We do not insure, however, for loss: .... Settling, shrinking, bulging or expansion...
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Generally an issue like this is not a covered loss on a homeowners insurance. The reason for this is that it is a maintenance issue that should have been fixed by the homeowner before damage occurred. Now if a storm occurred and a tree branch broke the skylight and then because of the storm rain came into the home. In the second case the cause was windstorm. Windstorm is a covered cause on a homeowners… Read More
What? The question does not make sense but nearly all policies cover damage from leaking pipes, unless the pipe was exposed and you knew it was leaking and ignored it.
Your own liability insurance will never pay for the damage to your property or for your medical expenses. Your collision insurance pays for damage to your property, if it is your fault. Your Uninsured Motorist Insurance or Underinsured Motorist Insurance pays for damage to your property if caused by someone else who is uninsured or under-insured. Your liability insurance will pay for the damage to someone else's property or for someone else's medical expenses, if… Read More
No, your homeowners insurance does not cover AC maintenance issues. however, depending on the type of policy you purchased, it may cover resulting structural damage after you have completed the necessary repairs to your AC system.
Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.
What happens if you get into a motorcycle accident and you dont have insurance and its your fault in Florida?
You are responsible for the damage you cause in an accident, regardless if you are insured or not. Having insurance transfers your responsibility to pay for the damage from you to your insurance company. If there are injuries to the other party, then the other party's insurance should pay for their injuries, but you are still responsible for the property damage you have caused the other person.
There is a great number of variables for this. You need to contact your specific insurance agency for details.
Heck Yeah UNLESS your policy does not cover it