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Does home owner's insurance cover a cooling unit that plugged up and ran water all over the floor and caused the tiles and floors to warp?
Wiki User
∙ 13y ago
Rule #1: Read your homeowner's policy (yes, it's tedious but it may give you an answer). More than likely, the damage CAUSED by the defective unit will be covered
(floor and tiles) but the defective cooling unit will not be covered.
Rule #2: Contact your insurance agent and only give them the actual facts as they occurred. Request from your agent that a claims rep contact you; try to insist that the claims rep inspect the damage (very rare nowadays). They usually have you get three estimates for repair (the floor and tiles in your case).
Rule #3: Check to see if the cooling unit has a warranty and contact the manufacturer to see if you can file a claim for a defective cooler.
Wiki User
∙ 13y ago
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Does homeowners insurance cover damage to floors caused by an accidental spill?
No, this is considered normal wear and tear.
Is homeowners insurance or condo insurance or both responsible for leakage from the roof that has caused damage to the floors ceiling and walls?
In most cases the association is responsible for mantaining the roof and structure. It should the the association's insurance problem.
Does home insurance cover a overflowed sink on hardwood floors?
No.
What are the benefits of raised flooring?
Raised flooring allows us to pass wiring under the floors. It also permits us to install a heating and/or cooling system to keep the floors warm/cool.
Will homeowners insurance cover removing a giant swarm of honey bees that made their hive between the upper and lower floors of your home?
Ask your insurance agent to be sure.
What would likely be cover in homeowner's insurance but not renter's insurance?
Anything that is owned by the homeowner would not be covered by renter's insurance. That would be the building, any appliances, the furnace, sinks, tubs, floors, walls, etc.
Hardwood floors covered under home owners insurance?
Yes, hardwood floors are covered assuming the damage was due to a covered loss. Ask us back as to why they are damaged to see if the damage is covered.
Is is safe to use shark steam cleaners on laminated floors?
No, no no. Steam cleaners put way to much moisture onto floors regardless of what their ads claim. Nearly all manufactures exclude damage caused by them.
Where do tsunomis happen and when?
Tsunamis occur at the bottom of the sea or ocean beds. They are caused by seismic movements or earthquakes on the ocean floors.
Does insurance cover when tile floors crack due to new house settling?
The following are not covered, "Settling, shrinking, bulging or expansion, including resultant cracking, of pavements,patios, foundations, walls, floors, roofs or ceilings;" Sorry the answer is no.
will hard wood floors have an effect on my power bill ?
I personally prefer hardwood floors to carpeting because it provides a much healthier environment for you and your family. I do not think it will effect your heating and cooling bills, and was not able to find any information stating that it would have any effect when researching this subject.
What types of damages does buildings and contents insurance cover?
Building and content insurance coverage can be bought individually or together as a package. Building insurance covers damage to the building such as damage to the roof, walls and floors. Contents insurance on the other hand, covers damage or loss to the personal contents that are contained in the house.
