No, homeowner's insurance only overs damages on the house.
If you are having this construction done by a bonified contractor, then their insurance should cover any/all damages. If you, the homeowner, are doing the construction and someone gets hurt, your home hazard insurance policy should cover that. Your home policy most likely will not cover other damages.
No, homeowner's insurance does not cover maintenance and pest control is a maintenance issue.
No,, homeowners insurance does not cover normal maintenance costs nor damages that result from lack of maintenance.
Yes, If the storm was a covered peril under your home insurance policy, then the resulting damages should be subject to coverage.
No, Home Hazard Insurance is for damages to your home due to a covered peril. Auto Insurance Comprehensive coverage is for damages to your car. You will need to seek coverage for your car from your Auto insurance Policy.
when you get the insurance you can register your daughter as an autorized driver and the insurance will cover for the damages.
This is a question that can only be answered by your reading your homeowner's insurance policy. Under certain conditions, it might.
The other person's insurance will have to cover their OWN damage. If a tree in your yard falls onto your neighbor's house, the neighbor has to use their own insurance. So it works the same for your case. Your insurance will cover your damages and the nieghbor's insurance will cover their own ceiling.