If your hardwood is warped its probably an installation issue more then anything.
Yes, if you bought that as a rider. No if you did not.
Progressive and Geico are two large, nationally known insurance companies that offer competitively-priced insurance products for car owners and homeowners.
Generally speaking...no. It all depends on the cause of loss.
By looking at any GAP Insurance Policy you purchased and looking at the dates to see if it is in effect. If you bought GAP Insurance, you would have been given a copy of the bogus GAP insurance Policy.
It really depends on the coverage you bought. You might look for a reference in your policy terms and definitions for language referencing infestations. Or, Just contact your Insurance Agent and ask.
It really just depends on what kind of insurance policy you bought. Some will offer certain limited property coverage while away from home. But typically, Homeowners insurance coverage is limited to your home and property and does not cover criminal activities of the insured anywhere. If you were injured in a Bar fight, you would look to your Health insurance policy for coverage
If your homeowners Insurance Policy has "Replacement Valuation", It will pay the cost to rebuild your home. If you bought an ACV policy, then it will only pay you the current value of your home.
Homeowners insurance generally does not provide coverage for settling. This is considered a natural and expected occurrence over time. However depending on the age and purchase date of your home. You may have coverage for such issues under your Home Buyers warranty that would have been purchased through your Realtor when you bought the house.
flooring
Possibly. Depending on if you bought an extra endorsement called back up of sewer or sub pump. This is an additional coverage you have to buy on your homeowners. This also depends if what ever happened to the the septic tank was accidental or sudden. If it failed due to poor maintenance, then no the insurance company does not have to cover it. The adjuster will determine when he comes out if its either or. Mark Owner of Denvers Insurance
carpet or other flooring
It may, it really just depends on what kind of insurance policy you bought and whether your policy is a Farm and Ranch type policy or if you have the barn scheduled as a covered structure or not.You should contact your insurer or your insurance agent for clarification of your policy coverage.