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Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Can you get home owners insurance after two hail and wind damage claims?
Yes, you can still get homeowners insurance. If you live in a high risk area for windstorm damage, you'll just have to pay more than you did in the past.
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.
Who is responsible for damage to fence on highway after an accident?
The insured found at fault would have to pay for the fence. This coverage is included in the liability property damage portion of an auto policy.
Does homeowners insurance cover water damage to walls and floors if caused by woodpeckers?
Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.
Will homeowners insurance pay for central heating and air condition unit if it goes out?
It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.
Is the furnace covered by homeowners insurance?
Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.
Does homeowners pay for fence damage by vandals with pellet guns?
Homeowners policies do cover vandalism and malicous mischief but unless the damage is extensive it may not meet your deductible. Another thing to remember these days is that insurance companies have been loosing money in homeowners insurance for several years. I always remind my clients that homeowners insurance is made for big losses not small ones. A homeowners policy is the most coverage for the lowest premium in the insurance business. With companies loosing money they are going to be more careful about who they write and if you are ever cancelled for too many claims you will find it hard to get new coverage at a reasonable cost.
Does homeowners insurance cover galvanized pipe?
Sure, as long as the damage was from a covered cause. The key to homeowners insurance is that the damage is due to a covered cause. If you a re searching to see if your insurance will pay for replacing the pipe because of lack of maintenance, no it will not. Maintenance is not covered on a homeowners policy.
What does homeowners insurance pay for in case of damage to your house?
Your Homeowners insurance policy will pay for damages that result from the covered perils specified on your insurance policy subject to the policy limits and any deductibles listed therein.
What do you do if your insurance wont pay for damage after a storm you have homeowners insurance but the insurance company is in dispute of the ammount of damage?
HIRE AN INDEPENDENT APPRAISER. FROM INS AGENT IN TX
Are fence blew down during a wind storm and are trampoline blew into the neighbors yard do we have to pay there premium?
No
How do you get homeowners insurance to pay for mold damage?
Mold is usually excluded from coverage. Read your policy; if same is not excluded, it is included.
Does homeowners pay damage done to another's property by a 4 wheeler?
Their homowners may. Depends on company coverage and what property
How do you get insurance for external damage to homeowners association buildings?
Any damage to the association building can be collected through the tenants of the association. The tenants insurance will pay a limited amount for the repairs.
Will homeowners insurance pay for damage to an above ground swimming pool?
Depends on HOW the damage occurred. Your above ground pool is normally covered as 'personal property' under your homeowners policy for the listed perils. See Coverage C- Personal Property for the list of covered losses.
Does home insurance pay for home equity line of credit when you have a house fire?
No, it won't pay your mortgage note or your equity line note, but your homeowners insurance will pay to repair the fire damage to your home.
How can homeowners insurance pay for homeowners association dues if i cannot pay?
It won't. Homeowners insurance is protection from sudden accidental losses, it does cover association dues.
You Need a new roof will the insurance pay for it?
They will not pay for a new roof. Roofs are not covered due to wear, tear or faulty installation. They will not pay to fix the roof if you have a leak unless in suffered wind or hail damage. They will pay for a roof due to any sudden and accidental damage like fire, wind, hail or falling object.
Will insurance pay for a fence falling apart due to age after a neighbor's dog breaks through it?
Get the insurance company of the dog owner to pay. Homeowners insurance is not meant to be a maintenance contract. You as a homeowner are expected to maintain your property and replace things as they wear out. If your fence was properly maintained would the dog have been able to break through it?
My son damage someones car on the street with his bike can i get my car insurance to pay for it?
I assume that you mean his bicycle and not a motorcycle or motor scooter. If you mean bicycle the answer is no, your auto policy will not cover the damage to the other persons vehicle. Your homeowners insurance may have coverage that would take care of this type of damage. I would recommend that find out what it will take to repair the damage and attempt to pay for it yourself without having to make a claim on your homeowners insurance. You want to try to not make small claims on your insurance if at all possible.
Does home owners insurance pay for loss of siding due to wind?
Yes, subject to your deductible unless wind damage is specifically excluded.
Are you solely responsible to pay for damages if a tree in your yard falls into your neighbor's yard and damages his fence?
No. Mother Nature would be the "responsible" party. The homeowner is not "liable" for acts of nature.Your homeowners insurance is not responsible for a natural act that causes damage to property of another. Your neighbors fence is not listed as covered property on your Homeowners policy.If a tree falls on your neighbors property the neighbors insurance coverage would invoke, it does not matter where the tree came from. Likewise if a tree falls on your property due to a natural occurrence your own homeowners insurance policy would cover you.AnswerIf the tree was healthy and you had no complaints from your neighbor and a wind storm came up and blew it over you may have a nice enough neighbor that will share the cost of a new fence.AnswerAccording to my insurance agent, so long as there is no negligence on the part of the tree owner it is an "Act of Nature". Thus the fence owner would need to pay to make repairs if they want it fixed. My insurance covers me if my neighbor's tree falls on my house. I can't imagine the company paying for anything that they could make someone else pay for.
Will homeowners insurance pay for AC system?
It depends on why the AC system would need replacement. Homeowners insurance provdes coverage damages that result from certain covered perils, typically Fire, Wind, Hail, etc.
Will homeowners insurance pay for repair of broken underground sewer line?
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.
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