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Does the homeowner take pictures for the insurance company or does the insurance company take pictures?
Wiki User
∙ 14y ago
They take pictures of your house and it's additional structures along with entertainments such as a pool, jungle gym, trampoline, etc.. If you have animals on the premises they will usually take pics of them too.
They basically just wanna see that the home is occupied and note any hazards on the property.
Wiki User
∙ 9y ago
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Why does a homeowners insurance co take pictures of your house?
It protects the insurance company from fraud. Any damage that already exists and shows in the pictures cannot be claimed later to get a "free" repair. Also if you add on to the house and don't notify the insurance company, the addition will not be covered.
How can a personal property inventory help a homeowner?
you need this in case you have a fire, burglary, flood etc, for insurance claims, take pictures of your things of value and a picture of each room
Does a homeowner have to accept what the insurance company offered with settling a claim?
You do not have to accept what the insurance company offers if you are willing to hire a lawyer to take them to court, but that remedy may prove to be more expensive than the potential gain in your settlement. Lawyers charge a lot.
What will happen if someone sues your homeowner insurance Will this affect you in the end?
No suit should be filed against your homeowners insurance but any liability suit would be filed against the homeowner themselves. At that point you would turn it over to your insurance company and they would take care of everything. The person suing would have to prove you were negligent for something causing damage to them.
When you purchase homeowners insurance why do they have to take pictures of the house and do they take just the outside or do they do the inside as well?
Insurance agencies take pictures of the outside of your home to document any previous damages. Whether they take pictures of the inside is at their discretion.
Is it nessacary to get an art quote when buying homeowners insurance?
No, you can take pictures of all aspects of your house, including artwork and typically your insurance will use the pictures in case insurance is needed.
Can your deductible be recovered from the vehicle that tore down your fence?
Whether it be a car accident or vandalism, the person who did it is responsible. Go for it! If the police were called in then go and get the information from them. They can tell what course to take so you can take action. Assuming the deductible pertains to the homeowner's insurance then it might be possible depending upon the terms of the policy. Generally the homeowner will have to sue the person who is responsible for the damages in order to obtain restitution. This type of claim is usually a matter for small claims court. The best way to find out your options is to contact your homeowner's claims department. I'm surprised that your homeowners insurance hasn't taken care of this for you. Most insurances will go after the auto insurance to get payment. If the owner of the vehicle is uninsured and has no resources you may be stuck with the deductible, otherwise YOUR insurance company should have taken care of everything for you. Check into this. If the car wasn't insured, be grateful for what you have. If the car WAS insured and your insurance company didn't take care of it ALL, change insurance companies.
Choosing a Homeowner Insurance Policy?
One of the most overlooked aspects of owning a home is getting a good homeowner insurance policy. A good policy is essential as it will protect you and your assets in the event that your home is damaged, vandalized, or robbed. In fact, it is so important, that most banks require their borrowers to have a good homeowner insurance policy. When putting your homeowner insurance policy together, there are several factors that you should consider. When you choose a new homeowner insurance policy, one factor that you must consider is the location of your home and the natural threats that come along with your location. Regardless of where your home is located, you are likely in an area that has at least some threat of natural disaster. Whether this threat is a tornado, hurricane, earthquake, or flood, you need to ensure that your homeowner insurance policy provides you protection against it. If your policy will not cover it, then you will need to take out a special policy to cover against the natural disaster. As you choose a homeowner insurance policy, you also need to consider your personal assets that the plan will need to cover in the event of casualty, theft, or damage. When you fill out an application, you will estimate how much your personal items are worth, and from there you will receive a certain level of coverage, which will be used to cover the replacement cost of your items. However, this may not cover certain expensive items. If you have valuable personal items, such as expensive jewelry or art, you may need to have a separate rider policy to cover those items. When choosing an insurance company for your new homeowner insurance coverage, you should consider using the same company that you use for another insurance service. Most insurance companies provide their customers with the chance to take advantage of multi-policy discounts. With a multi-policy discount, you can save a lot of money if combine your homeowner policy with another insurance policy, such as your auto insurance policy.
Who pays for foundation repair if the homeowner can not and what type of extra insurance should be purchased to take care of foundation issues the house is in Tennessee?
You can visit the site of your local foundation repair company and just ask them... they will know for sure.
Is is possible for a homeowner to remove black mold or should they hire a company that specializes in black mold removal?
It is best to hire a company to take care of it for you. I also think that it has something to do with the home insurance plan coverage. Because of the toxicity of black mold, homeowners should hire a specialized company for its removal.
How long does it take for the insurance to pay out when in an accident?
Depends on what insurance company it is.
What is hazard insurance for a mortgage?
Hazard insurance protects a homeowner against the costs of damage from fire, vandalism, smoke and other causes. When you take out a mortgage, the lender will require you to take out hazard insurance to protect their investment; many lenders will incorporate the insurance payment into your monthly mortgage payment.
