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If a tornado rips the chimney cap off a neighbor's house and it lands on your car hood does homeowner's or auto insurance pay for the damage?
Wiki User
Answered 2011-08-07 12:06:26
Your auto policy will cover it as a 'comprehensive' loss (if you have comprehensive coverage).
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What if there is no homeowners insurance and the house is taken by a tornado?
If you had no insurance then you're out of luck. You'll just have to buy a new house or try to rebuild or repair the one that was damaged by the tornado.
Which insurance companies covers Tornados?
A tornado is a windstorm. All homeowners Insurance companies offer coverage for windstorm damage.
If a tree in my backyard falls and does damage to neighbors privacy fence is my HO insurance liable for all costs or is his?
No, His insurance will cover his fence. Your home insurance is specific to your property and no one is liable for an act of nature,
Are you still covered if your homeowners insurance payment is 2 days late?
You better hope a tornado didn't hit in those two days.
Is it safe to be in the fire chimney during a tornado?
No. Even a weak tornado can damage a chimney and people have been killed during tornadoes by falling pieces of chimneys.
Is it mandatory to have homeowners insurance after you pay off your house?
No. Unlike auto insurance, homeowners insurance is optional and is not mandatory if your house is paid for. Just keep in mind though, if your home is lost due to fire, tornado, etc., you will not collect any kind of recovery for the loss. Also, without a homeowners insurance policy with liability coverage, you won't be covered for liability damages should someone fall or be injured in some way while at your home.
Who is liable when your neighbors rotten tree falls on your house or car falls on your property?
In general, Nobody is liable for an act of nature. Your auto insurance comprehensive coverage would cover damages to your car. Your homeowners insurance will cover damages to your home. The neighbor would be liable only if your can prove the neighbor knew the tree was rotten and posed a risk. If a car falls on your property, that would mean a tornado picked it up and it fell on your home. You insurance would cover that damage.
Does insurance pay for tornado damage?
That most likely depends on your insurance policy, so it is advisable that you review your insurance polcy to see if tornado damage is covered. If not, insurance for tornadoes can be purchased.
Are water leaks covered under homeowners insurance?
It depends on what caused the leak, Fire? Wind? Hail Storm? Tornado?,, Yes it would be covered. Old leaky or broken pipe? you just need a plumber, that would be normal and expected maintenance not covered under homeowners hazard.
Does homeowners cover fences?
A storm damages your fence. Wind-related damage to a fence or another insured structure on your property is typically covered by homeowners insurance whether it's the result of a tornado or just a fierce storm. Once it's safe to go outside, you should take photos of your damaged fence.
Are facia boards covered by house insurance?
If they are damaged by a covered cause then yes. I believe you are referring to damage caused by lack of maintenance and in that case they are not covered. It is specifically your responsibility to maintain the home and homeowners insurance is not designed to do this. If you have a fire or a tornado rips off your roof then the facia boards are covered along with other items damaged.
Businesses and benefits that help tornado disaster?
Major organizations that help after a tornado include FEMA and the Red Cross. Many people also have insurance to cover tornado damage.
Does homeowners insurance cover theft or robbery when theft occurred from another persons property?
Yes. Homeowners policies provide coverage for theft or any other covered cause such as fire, tornado, etc. when the property is located off premises. The amount of coverage is generally 10% of coverage C (Contents) for property located off premises. This covers property at a friends house, in a hotel on vacation, in your child's dorm room at college, and just about anywhere else. Homeowners policies is probably the best value there is in insurance due to the amount of coverages it provides for the low premiums.
Can you purchase insurance for the daulatpur-salturia tornado?
Most likely not, the Daulatpur-Salturia tornado was over 20 years ago.
Do people in tornado alley have to have tornado insurance?
It's not generally a law, however, mortgage companies would require it to approve financing.
Can you buy insurance for a tornado?
Yes, any property (such as homeowners) policy not excluding wind will cover this risk. In some areas of the country, wind is excluded off the normal property policy and a special "wind only" policy is written, usually called a wind pool.
How much would tornado insurance cost?
Tornadoes are already covered under the windstorm peril of your home insurance policy.
How do you recover from a tornado?
get insurance to cover your home and have a place you can stay until you get a new home
Why can tornado damage your house and not your neighbors house?
Wind speed can vary greatly within a tornado. The damaging winds may be confined to a very small area. Some tornadoes also contain multiple vortices inside the main circulation. These suction vortices can produce winds up to 100 mph faster than the rest of the tornado. This can mean the difference between a house taking moderate damage and being completely destroyed. Additionally, your house may be built differently than your neighbors so it may be more resistent or non resistent to the tornado.
What classifies a storm as a tornado?
Storms are classified as tornadoes when winds are from 40 mph to 72 mph. These tornadoes cause light damage, chimney damage, and broken tree branches.
Are you covered for tornado damage even thou your policy does not have hurricane insurance for your home.?
Your policy will not specifically say it covers "hurricane" or "tornado" damage. If if covers wind, then your loss would be covered.
Who pays to fix the damage caused by tornadoes?
If you have insurance that include tornado damage, the insurance company will pay. If you haven't, the property owner has to pay himself. Cost of life.
What you need to do after the tornado has happened?
make sure there is no damage any where like on your roof your car if so call you insurance and see what they will do
What is typically covered in your house insurance policy?
The typical house insurance policy covers damage to your property and personal liability coverage. Damage to your property includes fire, lightning, tornado, and hurricanes.
If you got your insurance three and a half weeks ago and you got caught in a tornado and an oak tree fell on your car and totaled it Will your insurance cover it?
If you have comprehensive coverage in effect on the date of loss, it should be covered.(I'm an auto rep for an insurance company.)
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