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That would count as comprehensive. Comprehensive covers any non-collision events such as theft, fire, and water damage.
Wiki User
∙ 16y ago
Wiki User
∙ 15y agoSome policies do. Check with your provider before if you are worried about going through.
Wiki User
∙ 10y agoOne of the basic covered causes on a homeowners policy is "weight of ice and/or snow". Also the basic coverage of "windstorm" would cover damage caused by hail.
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Will homeowners insurance cover repair to chimney due to water and ice dams forming causing chimney to crack?
yes this would be damage caused by ice..not by general deterioration
Your new condo roof is leaking due to snow and ice Is it covered?
If this is for a home: you can ask your insurance broker or carrier whether this damage is covered by your insurance. If this is for a condominium: you can notify your board and turn the matter over to them to handle with the master insurance carrier.
How does duration of the leak affect insurance claims?
I assume that you are speaking of a property insurance claim involving a leak and subsequent damage caused by water damage. Property insurance is not made to cover maintenance of your property. The payment of the claim is determined by the cause of the initial damage and some other factors. One main thing to remember is that damage must be "sudden and accidental". Covered causes included fire, lightning, windstorm, weight of ice and snow, vehicle or airplane collision, theft, vandalism, etc. depending on your policy type and terms. A leak in the roof due to maintenance is not a covered cause and therefore not paid. If a storm blew a tree limb on the roof causing a hole then it is covered as well as damage from rain. You also have a requirement to mitigate the damage meaing that you have to do what you can to limit the damage as much as possible.
What does broad coverage homeowners insurance cover?
According to AnswerBag.com, it covers these things in addition to basic homeowners' insurance: "falling objects, weight of snow, sleet and ice, damage to water heating systems, volcanic eruption, damage from plumbing or appliances, freezing of plumbing or appliances and damage from artificially generated currents".
Would homeowners insurance cover damage from a leaking gutter that damaged an enclosed porch ceiling and items on the porch?
No. Homeowners insurance is probably the best bargain in insurance by offering a great deal of coverages for a surprisingly small premium. The situation you are describing is not an insurance matter but a maintenance issue. It is not made to cover maintenance of the home but covers accidents that are "sudden and accidental". Homeowners insurance covers incidents that are caused by a covered cause such as theft, fire, lightning, windstorm, vandalism, weight of ice and snow, and many others. Things that happen over a long period of time are maintenance and are therefore not sudden or accidental and are not covered. An example would be a leaking roof caused by condensation from the A/C is not covered but if a storm caused a tree limb to fall on the roof poking a hole and causing a leak then damage would be covered.
Does PLPD insurance cover you if you lose control of your car on ice and hit a tree?
No
In an uncovered pool will ice damage the pool?
A pool cover has little to do with the formation of ice. It is for keeping the debris out of the pool. If you are in an area where ice may form on your pool it is suggested that you use an ice equalizer pillow under the cover. Those pillows are for keeping a hole in the middle of the ice, and not so much for holding up the cover as is a common misconception. The use of an ice equalizer pillow may can help reduce the chances of ice damage if your area is prone to freezing.
What is roofice?
Roof ice dams are an annoying source of roof damage, leaks, and heat loss in the winter.The main causes are drip melt from improperly capped warm air vent pipes and poor roof insulation.Laying a snow melt sock onto the roof so it crosses the ice dam and overhangs the gutterwill melt through the snow and ice and create a channel for water to flow down into the gutters or off the roof.
Does CSI insurance cover items left in a cab?
No, I'm afraid not. You see, an insurance policy covers items damaged by a covered loss. The covered losses are things like fire, windstorm, lightning, theft, water damage, weight of ice and snow, etc. Nowhere in your policy will find that an items is covered because you forgot to pick it up when in a cab. This is your fault and not a covered cause, so no the insurance policy will not cover it.
Does homeowner insurance cover damage to your house from an ice storm no matter how old the house is?
Yes, and this may not apply to you but may apply to others: if the house is not very well maintained, the insurance company may limit, hold or deny the claim because it may not be able to show that the damage was due to ice. Insurance is not a maintenance policy and depending on the kind of policy you chose (replacement cost or ACV - actual cash value) it may pay for all claims the way you might hope. Talk with your agent to help ensure you have the coverage you want and are willing to pay for.
Does homeowners insurance cover roof damage from snow?
It depends on what caused the collapse. If the deck collapsed due to a covered peril, such as fire, wind hail, etc, then yes it is covered. If the deck is just old and in need of repair or replacement then the answer is no, as this would be considered normal expected maintenance for a home owner.
Does homeowners insurance cover gutter damage from ice?
It really just depends on the type of policy you purchased and the language. Homeowners policy form HOA Basic Form may not provide coverage depending on whether you purchase the extended coverage. HOB Broad coverage with EC will likely cover the damage HOC all Risk Policy form will most likely cover it. Its best to contact your agent and ask about it. Your agent will be most familiar with the coverage type you purchased.
