Does homeowner's insurance cover a brick porch that is crumbling due to either the weather or poor construction?
Usually not, that is considered wear and tear. in most cases damage due to porch falling will be repaired but not falling porch
If a seemingly healthy tree broke in half and fell on neighboring apartments following days of bad weather should your insurance cover this or the neighbor's?
Will homeowners insurance pay for warped floors after air conditioner was off for three weeks in o 90 weather?
My sister recently had a cracked slab. Her insurance did not cover it, but the builder's insurance did. Builder's insurance is usually 10 years, so I guess it would depend on the age of your home. I would also find out the cause of the crack and weather or not there is product liability insurance involved. There are numerous variables that can cause a liability situation to an insurance company or insured. I would call…
Weather conditions can be important in determining whether it is safe to work. For example, it is not safe to work in a high crane in very stormy weather. So different kinds of weather can make some kinds of construction more difficult and some weather are good for construction work. So it is important for people in the construction industry to be aware of the weather forecasts.
Will homeowners insurance pay for automobile damage done to your vehicle by a fallen tree due to stormy weather?
If I am working as a babysitter and my car is damaged from a falling branch in the homeowners driveway do they have to pay for the damages out of their homeowners insurance?
It depends on whether the homeowners were aware of a potential problem with their trees/limbs. If they knew of a dead tree or limb, there is a possibility of liability on their behalf. The key to this is proving that they were aware of a potential problem, which is very difficult to do unless they have been warned in writing. This is the only way their homeowners policy would cover your damage as well. Otherwise…
For damages from storms or weather related issues, sometimes from accidents such as your neighbor's tree limb crashing onto it, although it some cases it might be the neighbor's responsibility. However, a roof is not covered by homeowner's insurance if it is a matter of replacement or repair due to damage from normal "wear and tear".
No it will not. You have to purchase a policy specifically for the RV. You homeowners policy excludes self propelled vehicles of any kind except for lawnmower used for the upkeep of that property exclusively and golf carts. Any others like cars, trucks, RVs, ATVs, boats over a certain size limit, and anything else will be excluded from coverage on the homeowners policy.
Should the pool construction company fix a 2 year old gunite pool that started developing cracks within the first year?
I believe the contractor should be responsible for repairs if the cracks are due to faulty workmanship such as improper soil compaction or application of gunite in cold weather etc. If the cracks were caused by a force of nature such as a flood this should be covered by homeowners insurance. In closure what was the warranty on the pool. Most reputable gunite applicators provide a warranty on the pool shell.
The Federal Crop Insurance Corporation managed by this department sells insurance to protect against problems with weather insects and disease?
There is no such thing as a comprehensive homeowners policy. What you are probably thinking of is a HO policy or Homeowners policy. Their are 2 common policy's sold that are homeowners. One is an HO-3 and the other is an HO-5. These policy's provide a wide range of coverages compared to just a DP-1 or DP-3 policy. DP is a dwelling fire policy. This provides just very basic perils on a policy. Pretty much…
Yes, The insurance company will generally have underwriting guidelines for every policy coverage line they offer. If Galvanized pipes do not fit the underwriting guide then your home simply does not or no longer qualifies for that particular insurance program. Galvanized water pipes are no longer used in home construction. Older homes that were built in times when galvanized pipes were considered acceptable, should be updated to ensure that your home qualifies for future coverage…
The federal crop corporation managed by this department sells insurance to protect against problems with weather insects and disease?
Weather conditions, both historical and prospective, are extremely important to property insurance companies. This is because rates charged by insurers, which translate into premiums paid by policy holders, are determined in large part by the risk assumed by the insurer. For many kinds of insurance, for example, homeowners, the types of losses covered can be caused by weather incidents (wind, flood, etc.). Remember that an insurer spreads the risk that it assumes over a large…
Claims records are kept on both the property and the policy owner. It can be on both. It just depends on the nature of the claim as to whether it would be counted against you. Weather related claims are typically not assessed at all as these are beyond our control. Claims that result from poor maintenance or neglect and certain liability claims can carry over and be assessed even when a new home is purchased.
Weather forecast is specially important in Crop Insurance, where a drought or flood can drain out huge fund from the Insurance Company's corpus.Getting in before hand, help them to set their strategy accordingly. In India, the Al Nino effect on Moonsoon, has already put the Insurers into great anxiety,apart from the farmers, or Agricultural Ministry.