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Flood damage is covered by "Flood Insurance" not by home insurance. Flood coverage is obtained on a separate flood insurance policy in the USA.
Heavy roots from a presumably over grown tree or a tree that is located too close to the house is an owners landscape maintenance and upkeep issue.
What else can I help you with?
Does homeowners insurance cover fire damage caused by a visitor?
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Will homeowners insurance cover damage to personal vehicles at the home caused by someone else?
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Will homeowners insurance cover a fire loss caused by the homeowner?
Accidental, Yes. Intentional, No
Will homeowners insurance cover a cracked foundation caused by an earthquake?
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
Will homeowners insurance cover damaged the foundation settling caused by drought?
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.
Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?
Yes, but you would have to pay what your homeowners deductible.
Does homeowners insurance cover foreclosure?
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Does homeowners insurance cover your child damaging the neighbors vehicle?
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
Does homeowners insurance cover damage to floors caused by an accidental spill?
No, this is considered normal wear and tear.
Does homeowners insurance cover plumming?
Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.
Does homeowners insurance cover damaged wall caused by an angry family member?
Not if the person lives in the home. An insured cannot be liable against themselves.
Should homeowners insurance cover water damage that was caused before you moved in?
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
