Having dealt with this problem in a big way before, I nearly lost the whole side of a basement wall/foundation due to years of pressure from a tree that had beed growing there for some years.
I asked my insurance company, S.... F... , and they informed me that this is a problem that is not covered. It falls under the realm of normal home maintenance. Therefore, had it been pulled out when it was a sapling it would never have become a problem. It did not fall under the unexpected, covered environental disaster or human inflicted damage.
Some other problems that are not covered..: Collapsed Sewer line (though they will cover any damage due to a line that backs up and floods indoors. Termite damage, unless you can prove that due to some type of event such as earthquake or construction or event that drove them from a nearby structure into your home within the previous 2 years. (of course this is very safe for them since the damage will never be noticed until many years have passed).
I will never live in an old house again!
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.
No unless the foundation crack was caused by something like an earthquake. Normal wear and tear is not covered.
NO, Homeowners insurance does not cover automobiles.
It depends on how the foundation was damaged and whether or not it was done by a covered cause or not. If a vehicle runs off the road and hits your home then it would be . covered whether or not the person had insurance. If the person did not have insurance, your homeowners policy covers damage caused by a vehicle. If the damage was caused by settling of the home and this caused the foundation to crack then no, the homeowner's insurance will not pay for this repair because it was caused by lack of properly putting in the foundation correctly or a lack of maintenance. Maintenance is never covered by your homeowner's insurance policy. Maintenance is the responsibility of the homeowner and it is never ending.
It should but you need to specify which insurance you have.
Most homeowners insurance policies cover repairs caused by storm damage, however you will have to check your policy to be certain. Usually, you will have a fixed amount of time to claim damages.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
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
It depends on the specific perils and exclusions of your policy. But generally speaking most insurance policies exclude any damaged caused by settling or earth movement.
Depends on the cause, all homeowners policies require that the loss be caused by a 'covered peril' also must be sudden and accidental not gradual deterioration.
Yes, but you would have to pay what your homeowners deductible.
Accidental, Yes. Intentional, No
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
It depends on how the damage was caused. It must have been caused by a "covered cause".
Not likely. Most homeowners insurance policies these days automatically exclude coverage for injuries or damages resulting from pet ownership.
Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.
No. Probably not. Unlikely. What caused the leak in the water line? Old age? Ground shift? If and only if the leak was caused by a named peril do you have a chance of making a successful claim for any of the damage.
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
It depends on why your being sued. If your homeowners insurance covers the act that caused the suit, then you should have legal defense costs coverage if you purchased liability insurance with your homeowners insurance policy. If you did not purchase liability coverage then your insurance company will not defend you.
Probably not. Homeowners usually do not pay for damage caused by pets, wear and tear nor common maintenance issues.
yes it does.
Yes, Homeowners insurance can cover plumbing damage when caused by a covered peril such as lightning, fire, wind, hail freezing etc. Refer to your insurance policy for covered perils. If your plumbing is just old or stopped up then that would be an owners maintenance issue. Homeowners insurance does not provide for maintenance.