No! Faulty construction is excluded in homeowner's policies.
It depends on how the foundation was damaged and whether or not it was done by a covered cause or not. If a vehicle runs off the road and hits your home then it would be . covered whether or not the person had insurance. If the person did not have insurance, your homeowners policy covers damage caused by a vehicle. If the damage was caused by settling of the home and this caused the foundation to crack then no, the homeowner's insurance will not pay for this repair because it was caused by lack of properly putting in the foundation correctly or a lack of maintenance. Maintenance is never covered by your homeowner's insurance policy. Maintenance is the responsibility of the homeowner and it is never ending.
Vinyl siding is the perfect way to help protect your home. Many homeowners want to ensure that outside of their house is protected with the best possible materials. However, they are unaware of an easy tip for installing vinyl siding. Many homeowners place nails too closely to their home when installing their vinyl siding. Homeowners should ensure that they keep their siding nails placed properly or their siding may rip off during severe weather. Homeowners who properly place their siding nails will not have to have new siding installed after a strong storm.
No, That would be considered part of the homeowners maintenance responsibility. Failure of the home owner to properly maintain the structure and property could indicate negligence or a moral hazard on the part of the homeowner. Negligence can result in denial of an ensuing claim and cancellation or non renewal of the homeowners insurance policy.
Homeowners Insurance is a "Hazard Insurance Policy" which covers "Sudden Losses" due to the specified perils listed on the policy. Covered Perils are typically Fire, Wind, Hail, Falling Objects etc. Tree roots are typically not a covered peril because this is a property maintenance issue under the complete control of the homeowner. Failure to properly maintain ones home and property can indicate a "Moral Hazard" on the part of the property owner and can result in cancellation of the policy. Most people keep trees and large rooting shrubs cut back away from the homes foundation so as to avoid this type of damage.
By 'lower suspension' if you are speaking of lessening it just remove the spring coil extra set of shocks on the back. They are there for addition of side cars to handle the weight. You cannot modify it structurally because it is designed and engineered to handle properly on the road as best as it is from the factory.
It is quite safe to excavate right up next to a properly designed and built foundation of a 1- or 2-story house, as long as you first locate the gas, electric sewer and water lines, and take care not to break these.The foundation wall receives a varying load from the fill next to it. When dry, the load is less; when the soil is saturated, the load is more. But unless you have a foundation on an extremely steep hill, or very close to a lake or ocean, or the water table is very high, you are probably going to be OK.
Generally no. Hired workers are not covered under a home insurance policy. Homeowners insurance policies do not cover "poor workmanship" But the contractor or repairman's Commercial Liability policy will cover if he damages your property or fails to perform repairs up to the standards that a reasonable person would expect. This is why you should always hire from established companies that you can verify are properly licensed and insured to perform the work.
Ye, reference the vacancy clause of your homeowners insurance policy. Most policies contain language that require you notify the insurer within a certain time frame of extended periods of vacancy. To avoid unexpected cancellation of coverage due to occupancy issues, be sure to properly list your occupancy type. Certain types of residences may be listed as, vacation homes, vacant property, temporary or seasonal homes.
To be suited to the environment (natural and human) a structure must be:built of local materialsrequire few if any specialized toolsbe structurally sound to meet the intended purposecreate no wastebe easily constructed (if properly trained)An igloo meets all of these criteriaNote: Eskimo is a derogatory term. The term Inuit is preferable.
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