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.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Accidental, Yes. Intentional, No
Yes, but you would have to pay what your homeowners deductible.
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.
No. Homeowners Insurance does not cover the owners default on a mortgage note.
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
No, Your homeowners insurance does not cover vehicle damage. That's what auto insurance is for.
No, this is considered normal wear and tear.
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.
Not if the person lives in the home. An insured cannot be liable against themselves.
No. Your policy will only cover damages which were caused by a covered loss during the policy period.