Yes. The claim payment was compensation for a covered loss that occurred while you were still the owner. So there is no problem with you cashing the check.
Just as it is anywhere else, It depends on many things, the value of your home, The condition and age of the home and where it's located as well as the claims history of the property and the property owner.
Generally no. The only time that your homeowners policy will cover property of anyone else is if you are legally liable for the damages. For instance if you started a fire on purpose for some reasonable need that got away from you and they neighbor demanded payment. In this case you turn it over to your insurance company which will decide how to proceed. You liability section provides coverage for damages and they will provide legal defense in addition to the liability coverage if necessary. I will caution you that liaiblity claims will make you typhoid Mary to insurance companies and you will not have luck getting or keeping homeowners insurance.
Yes, If you have multiple claims then you can get multiple rate increases.
You should verify with your insurance agent. However most U.S. states have a 2 year limit for filing property damage claims.
no your uninsured motorist will though. your deductable will be lower, and making too many claims on homeowners will likely caused them to be dropped by the company. i once heard you can only make a claim on homeowners once every 3 years but i don't know if that's true.
No, Homeowners insurance is for the house. it does not cover cars or car accident claims.
Homeowners insurance provides financial protection for individuals who own property by covering costs related to damage or loss caused by events like fires, theft, or natural disasters. It can help pay for repairs, replacement of belongings, and liability claims, offering peace of mind and financial security.
A homeowners policy does not cover and specifically excludes self-motorized vehicles except for lawn mowers used exclusively for maintenance of the property insured. Even in this case the mower is covers if damaged in a covered cause but bodily injury is not a coverage included on a homeowners policy.
The name for claims against property is liens.
Homeowners insurance claims typically require documentation such as repair receipts, invoices, photos of the damage before and after repairs, and any relevant permits or licenses.
Claims records are kept on both the property and the policy owner. It can be on both. It just depends on the nature of the claim as to whether it would be counted against you. Weather related claims are typically not assessed at all as these are beyond our control. Claims that result from poor maintenance or neglect and certain liability claims can carry over and be assessed even when a new home is purchased.
As far as homeowners, and auto claims payments are concerned no.