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NO... Buyer Beware,

Homeowners insurance policies do not cover pre-existing damage. They also typically exclude damage resulting from "ground movement" as this is a normal expected occurrence throughout the life of a home.

You would look to your buyers home warranty for coverage of an un-disclosed defect of the home you purchased.

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โˆ™ 2017-07-12 19:57:28
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Q: Will homeowners insurance cover a cracked foundation that the previous owners hid under carpeting?
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When purchasing a new home can you get your own homeowners insurance?

Yes, In fact you are required to get your own home insurance when you buy a home. You can not inherit the previous owners insurance policy. The previous owners insurance is null and void the moment they sell the home.

Will homeowners insurance pay to replace siding that was involved in a class action lawsuit but the previous owner did not replace the siding?


Need homeowners policy on property you have occupied 13yrs without previous homeowners policy?

you had no insurance for 13 years? You should qualify for a state plan that will guarantee you coverage - contact a local insurance agent - and expect for the premium to be high

Can you change homeowners insurance companies if you have a claim with the old company?

Sure, So long as you disclose the previous claim to the new company. Failure to inform the new insurance company of previous claims is insurance fraud by omission of a known fact and is a felony offense. Should the new insurer find out that you intentionally tried to conceal the previous claims they can deny any and all coverage under the new policy.

Does homeowners insurance cover damages that the previous owner failed to disclose?

No, the policy is only for occurrences between the coverage dates. You likely didn't start the policy until the closing date so previous damage would not be covered.

When you purchase homeowners insurance why do they have to take pictures of the house and do they take just the outside or do they do the inside as well?

Insurance agencies take pictures of the outside of your home to document any previous damages. Whether they take pictures of the inside is at their discretion.

How much does State Farm Homeowners insurance cost on average?

State Farm actually has no base flat rate for Homeowners Insurance. The quotes vary with the estimated value of assets, previous insurance claims, depreciation, and how many discount packages one will qualify for. Most people end up saving several hundred dollars by switching, but getting a quote is the best way to know for sure.

Does homeowners insurance cover an insect infestation if it was caused by a previous owner?

No, Homeowners insurance does not cover insect infestation nor preexisting damage to a home. Home insurance is for sudden accidental losses, not for home maintenance. This is a home maintenance issue and what an exterminator service is for. Part of any home maintenance plan should include an annual inspection by your chosen exterminator service company. Failure to maintain your home can be a reason for an insurance company to cancel or non-renew your home insurance policy.

Will homeowners insurance cover livestock guardian dogs?

That will depend on the individual insurance carrier. Some will not cover dogs at all, some cover only certain breeds, and some will cover any dog with no previous history of aggression. Ask your insurance agent whether your own policy covers your dog.

How many home owners in the US?

There are over 75 million homeowners in the United States. This is done from previous years as many homeowners have been foreclosed on.

Do I need to change the homeowners insurance when a home is willed in North Carolina?

Sure. When the ownership changes the homeowners insurance must also change. If the owner is not living in the home full time you must change to a different kind of policy. Once a owner is not living in the home for 90 days, coverage ceases no matter whether or not premiums are paid.

If your home is settling only on one side causing damage to the slab foundation interior walls and floors with no previous problems will your home owners insurance cover the damage?

This is an easy one, NO.

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