If you have an "all-risk" policy, interior water damage, including hidden damage, should be covered. However, if for example your chimney is "leaning out." Your policy states, in the "Conditions" Section under "Your Duties After Loss" that you must give prompt notice to your company of facts relating to the claim (damage), you must protect the property from further damage, and you must make reasonable and necessary repairs to protect the property (language varies by state). If the chimney started leaning a long time ago, and if the water entry is due to worn-out chimney flashing indicating poor maintenance, you may be better off fixing it yourself. If an adjuster or your agent observes poor maintenance, he may submit your claim for an Underwriting Review and your policy could be non-renewed.
yes resulting water damage is covered - depending on cause of crack to chimney that aspect may or may not be covered
depending on you insurance company... I know my snowmobiles are covered on my homeowners
No. Your Car is covered by your Auto Insurance Policy. It is never covered by a homeowners policy no matter whose property it is on.
A lot. Are you asking what parts of the building are protected? Or are you asking what types of damage are covered? We can't help without a more specific question.
No. Not a covered cause.
Yes. That is covered on a homeowners policy.
Yes, Garages both attached and detached are typically covered structures under your homeowners insurance policy.
No. homeowners insurance covers resulting damages of the covered perils.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy