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Will homeowners' insurance cover a leak in the roof due to a hole caused by a nail if the claim states it is due to water and not slab-related?
Wiki User
∙ 17y ago
If you did it yourself, probably not. If done by a contractor building or repairing the house, his business liability insurance should pay. Every homeowners insurance covers different things. The best thing is to get 3 estimates as to what happened and how much it will cost to fix. Give the ones that state the same to your agent or the claims dept and if need be argue a little about it to get it fixed. In the mean time, who did the last work on the roof, how long ago, is the work still under warranty--call the company and have someone come out to see the damage and see what they will do about it. It might surprise you to find out that the roofing company will fix the mistake. (Depending on how old that damage is, how long you might have let it go if you knew about it, they may fix it but have to charge you for the parts only.) Better than parts and labor which might get exaggerated and be a lot higher then you need to pay. Good luck Check your homeowners policy--go over it with your agent and find out what everything means. Don't miss anything-write notes along the sides of the policy. Keep that one until the next one comes in--anything new, call the agent for an explanation. There are too many clauses that can help or hinder. Like--Flooded basement due to a storm--might not be covered since it is an act of God. Water in the basement--due to broken pipes or broken water heater--this the insurance will cover. Tree falls on your property--insurance may not pay anything,your or your neighbors, tree falls on house or car, insurance may pay to replace car and work on house--who will pay to remove the tree?? You may have to pay all of the removal, or maybe part of the removal or you might get enough to buy saw but not enough to rent a chipper. Read your policies!!
Wiki User
∙ 17y ago
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Can you buy the amount of homeowner insurance you want?
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What companies sell homeowners insurance in Florida?
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Will your homeowners insurance cover a leaking pipe in an interior wall that has gone undetected until now that there is mold growing?
It depends on what state you live in and what exact policy you have. Some policies in certain states will cover this, others will not. You will have to refer to your specific policy and its endorsements. There are hundreds of variations on homeowners policies and endorsements between states and insurance companies..
Are rental homes protected under homeowners insurance policies?
No. In the united States, Homeowners Insurance polices are Null and Void at the moment your home is rented unless you have had the policy endorsed for rental property coverage. This is often referred to as "Landlords Insurance" and requires a different policy form known a "Dwelling Policy". Most Insurers will simply cancel the old Homeowners policy and issue a new "Dwelling Policy" form to cover you as this is the appropriate policy form. Your landlord's insurance policy, or "Dwelling Policy" will cover your rented home. It is certainly possible to have property and liability insurance on a rented property but not on a traditional homeowners Insurance policy form.
Where can you get homeowners insurance for low income in Detroit MI?
I don't know if there is any help at all for low income people regarding insurance. Call your states dept. of insurance and see if they know of any programs for this assistance.
