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Answered 2011-07-20 00:39:17

Usually not, that is considered wear and tear. in most cases damage due to porch falling will be repaired but not falling porch

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Whose insurance is responsible if a tree on your property falls and damages another person's vehicle during clear weather?

Weather doesn't matter. Your HomeOwners Insurance would be responsible for those damages.

What is inclement weather insurance?

Insurance for inclement weather.

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?

The neighbor's insurance must cover his own damage. That is how homeowners insurance works. A property owner is not liable for an act of nature.

Will your homeowners insurance rate go up if you file a claim to replace your fence?

Most homeowners insurance does not increase rates due to claims. However, claims do determine whether or not a company continues to renew your policy. Especially now, if you are cancelled it is much harder to get home insurance.

Should NC help homeowners in the barrier islands that are vulnerable to storms rebuild after one?

They should carry home insurance or flood insurance so that it is not up to the general population of the state to insure the homes that are located in weather prone areas.

Lowering The Cost Of Homeowners Insurance?

Homeowners insurance can be a delicate topic. It is one of the more expensive forms of personal insurance. One of the few ways that you may be able to save money on your homeowners insurance, other than shopping around for a better rate, would be to remove unnecessary coverage. Of course, this means you would have to remove coverage for some events that you think may be very unlikely. It is a risk you may want to take in order to save money every month. Removing insurance for weather damage that is nearly impossible in your climate would be a first step. Another option may be to remove insurance for theft and instead invest in a low cost home security system. Homeowners insurance is by no means inexpensive. Thinning down your policy is one way to help reduce that cost.

Where can you buy homeowners insurance?

Homeowners insurance is a form of property insurance that financially address losses and damages to an individual’s house and other possessions in his residential home. The policy customarily includes the interior damage, exterior damage, loss or damage of personal effects, and even injury that arises by chance while on the property.Property insurance has the following benefits:It is a protection against Property Damage;It covers loss or damage against floods, fires, earthquakes, theft and other weather-related damages;It also provides for liability coverage against accidents.Though insurance policies cover liabilities up to a limited range only, it also includes the liability claim incurred by the owner as it protects the insured from further damage.The rate of the premium always relates to the rate of the insurance claim, that is, the higher the premium value, the higher the insurance coverage will be set.

Which companies provide weather insurance in India?

Agriculture Insurance Company of India Ltd, is a leading weather insurance cover provider to farmers. ICICI Lombard Ltd. also has weather insurance in its rural insurance portfolio.

What is the average rate of homeowners insurance?

The average rate is going to vary depending on where you live, your credit, weather conditions in your area, etc. This website can give you an idea: http://homeinsurance.com/rates-in-your-state/

Why are weather forecasts important to construction workers?

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.

Does homeowners insurance cover water damage caused by gutter or downspout failure?

No. Because it was a failure on your part to maintain the home. They are more likely to cover water damage caused by weather conditions beyond your control.

Will homeowners insurance pay for warped floors after air conditioner was off for three weeks in o 90 weather?

Doubt it very much, unless their was a fault with the air conditioner which broke down . Try and see.

Will homeowners insurance cover a cracked foundation?

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 a contractor to find out the cause of the crack. http://www.fhia.com

How do you use the word construction in a sentence?

How did this construction start? construction is very tough process.

Can your Home insurance drop you after a claim?

Yes, they can non-renew your policy when it expires. Depending on the type of claim though, most insurers would not drop you just for one claim.Weather related losses are expected and beyond our control, however if the loss was the result of the homeowners negligence, then likely yes you would get dropped.

Will homeowners insurance pay for automobile damage done to your vehicle by a fallen tree due to stormy weather?

No. Sorry but a homeowners policy specifically excludes coverage for any motorized vehicle other than one used exclusively for maintenance of the property like a lawnmower. Your auto policy is the only place you can look for coverage of damage from a falling tree.

Does homeowners insurance cover utility poles damaged due to weather?

No, Utility Poles and other conveyances of this type are not the responsibility of the home owner. You should contact your local Utility provider. They will order a repair the pole situation at no cost to the homeowner.

What are 2 similarities between construction 100 years ago and construction today?

Weather affected construction then and now. Water was and is a problem that must be dealt with.

Is a roof covered under homeowners insurance?

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".

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, if it was just a tree limb that fell because of wind, you have no legal recourse against the homeowner. It's just an "act of God" = weather.

Does travel insurance cover natural disasters?

Travel insurance does include some certain natural disasters. One natural disaster that is covered by travel insurance is severe weather. This type of insurance also includes delays due to weather.

Can you get home owners insurance thru state farm after a claim from a different insurance?

Yes you can but it will probably depend on the nature of the prior claims, Weather related claims will typically not effect your ability to obtain coverage while other non-weather related types of claims might.

Is winter home construction recommended?

A winter home construction is generally not recommended as it is a harshly extreme weather during this season.

The Federal Crop Insurance Corporation managed by this department sells insurance to protect against problems with weather insects and disease?

The Federal Crop Insurance Corporation managed by this department sells insurance to protect against problems with weather insects and disease is agriculture.

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