Subject to your deductible, yes a standard HO3 policy should cover your wind damage.
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
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.
Homeowners typically do not have to pay for damage from hail if they have comprehensive homeowners insurance that covers such incidents. Most policies will cover the cost of repairs to the home and any personal property affected by hail damage, minus the deductible. However, if the damage exceeds the deductible amount, homeowners will need to cover that portion out of pocket. It’s important for homeowners to review their insurance policy to understand their coverage and any potential out-of-pocket costs.
Yes, but you would have to pay what your homeowners deductible.
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.
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.
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.
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.
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.
No
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.
HIRE AN INDEPENDENT APPRAISER. FROM INS AGENT IN TX