The have companies that will purchase damaged items of personal property or just about anything. They are in the business of repairing items are reselling them. The insurance company has lists of what they can normally sell damaged items for and this will result in a valuation.
No, the repossession agency must return your personal property undamaged. Usually you have to go pick it up. If your property is damaged, the agency should have insurance.
Property insurance - If your property is damaged the insurance will pay for this to be repaired. Life insurance - If you die then your estate (or the named beneficiary) gets a payout to the value of the insurance.
A homeowners insurance policy includes up to 10% of coverage C (Personal Property) while off premises. A fire that occurred while on vacation would certainly be covered under this type of coverage. Another incident is a resident child while staying in a dorm at college would also have coverage for personal property while the property was stolen or damaged by fire or windstorm or such at the college dorm.
You should have tenant insurance yourself because the landlords insurance only covers the damage to HIS PROPERTY, not yours. So I VERY HIGHLY suggest you get personal insurance if you want to replace damaged/stolen items.
The landlord is generally only responsible for the building, not the belongings inside. That's what renter's insurance is for.
Insurance contract with an insurance company Indemnity bond
No. The utility company is responsible for the repair of your driveway, not your insurance. I'm also pretty sure that a driveway technically is not considered part of your home and is not covered under most policies. Check your policy to see what is and is not covered.
In the event that there is personal or private property which has been damaged or destroyed, the courts can help. The person with the damaged property can file a lawsuit against the person who is responsible for the damage. If the court finds in favor of the person who has filed the lawsuit, it will enter a judgment against the person who damaged the property, which will make them legally responsible for paying for the damage.
If you damaged someones property with your vehicle and you had no insurance. All you can do is pay for the damages out of your own pocket.
Your answer depends on who owns the driveway, and who damaged the drain. Best practices dictate that you file a police report and contact your insurance carrier, who can sort out who pays for the repair of the damage.
That depends on who is responsible for the damage. If someone else was responsible then their insurance should cover your damaged property. If you are at fault then you will have to make a claim on a homeowner or renter's insurance policy of your own, if you have one.
You should contact your Insurance Agent for clarification. But most Home Insurance Policies do not provide coverage for cracked or broken concrete structures such as sidewalks, patios and driveways.
Each vehicle should have its own insurance so each should pay out if each were damaged, whoever owns them.
This would be covered under Malicious or accidental damage if your insurance company provides this.
Normally an insurance company accesses your damamge.
No. Liability covers the others and their property.
Most Renters Insurance has a Liability component as well as personal property coverage. So if the fire was the renters fault the landlord could sue the renter then the liability insurance would pay.
this is something that you should discuss with the delivery company first. It is likely that their liability insurance would cover something like this. If not, then discuss it with your insurance agent. hope this helps!
Your insurance would be responsible for repair of the damage to your home. If your neighbors property was also damaged in the event then the neighbors insurance will cover the neighbors property damage. Nobody is liable for an act of nature.
no animals are not covered property under HO policy
Renters insurance is inexpensive and offered by most insurance companies. This policy would cover your personal property in your apt, including the sat dish, in case it was stolen, damaged by storm or fire, etc.
You'd most likely file that with your auto insurance, as that's the property that was damaged. Hoever, you might find there's a clause that says they won't cover acts of god, which, in the eyes of the insurance world, this was.
It is very important for a landlord to get contents insurance if they are renting out a property with furniture included. If then the contents are damaged by the tennants then the landlord will be able to use the insurance policy to replace them.