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โˆ™ 2010-04-06 02:08:31
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Q: If you let your homeowners policy lapse when you switched auto ins carriers and forgot to get new homeowners ins with it but now see water damage to condo ceiling can you still get coverage and how?
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Related questions

If an improperly design bathtub results in a leak that results in mold a ruined wall and a ruined ceiling will homeowners insurance cover repairs and redesign to correct the problem?

if you have mold coverage, yes.


Where does the switched live go in a ceiling light?

To the black wire on the fixture.


Should your ceiling and wall texture match?

The wall and ceiling textures do not have to match. depending on your taste, the ceiling could be popcorned or swirled, or the walls could even be an adobe style. The homeowners imagination is the only limit.


What wires match up on a ceiling fan where ceiling has black white red and fan has black blue white?

Black to Black - Black from the ceiling is a hot wire and should be switched Red to Blue - Red wire is another hot wire and should also be switched White to White - White from the ceiling is the neutral and should not be switched. Your wall should have two switches, one will control the red wire, one will control the black wire. If you wire your fan as above, one switch will turn the fan on, the other will turn the light of the fan on.


Do farm bureau cover crack ceilings?

The answer to this question has little to do with the cracked ceiling but what caused the ceiling to crack in the first place. If it is caused by settling of the home or earth movement then the ceiling crack would not be covered. If a tree limb fell due to a windstorm and damaged the ceiling then it would be covered under a homeowners policy.


When switched on sometimes the ceiling fan starts rotating in opposite direction. why?

The start capacitor in the fan motor needs replacing.


How do you Wire a light from a switched outlet?

See: "How can you re-wire a wall switch that controls an outlet to control a ceiling fan?" (Follow the link below.) The procedure is the same whether the new device is a light fixture or a ceiling fan.


Does homeowners cover a broken pipe in the ceiling?

I presume you mean 'homeowner's insurance'. Some contracts do cover it, some don't. You will have to look at the small print in your own policy.


Will homeowners insurance pay for mold removal hidden under paint on ceiling of covered porch there at the time of purchase?

You'll have to refer to your policy language or consult with your agent. Most homeowners Insurance policies offered since the late 1990's automatically exclude coverage for mold or fungi and relegates back to a home maintenance issue. Also note the pre-existing conditions clause in your Home policy. The home Warranty purchased with most homes new and used, warrant property condition at the time of delivery.


Will your homeowners ins cover ceiling damage from rain?

It depends on what caused the leak. If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak. If the leak is resultant of aged material or normal wear and tear such as an old roof that has outlived the life of the material, then that is a maintenance issue and ceiling damage will continue to occur every time it rains. Your insurance company would probably fix your ceiling but not until after you replace the aged roof.


How many wires are there in ceiling fan motor?

If the ceiling fan has a light fixture included in the fan, then there will be three. A white, black and blue. The blue is for the fan if the owner wants the fixture to be switched individually from the fan. Other wise there are only two wires to connect to the fan, a black and white.


Will roof and ceiling damage be covered if almost 2 days of rain the roof started leaking and caused a hole in the ceiling?

The roof likely wont be covered for 'leaking' unless there is 'covered' damage to it (such as wind damage). The interior damage may or may not be covered depending on your specific policy. See Section I- Perils Insured Against, Coverage A (building) and Coverage B (other structures) in your policy. //

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