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Will homeowners insurance cover damage to an in ground swimming pool pipe?
Wiki User
∙ 16y ago
the swimming pool is insured under the 'appertinate' (sorry can't remember the correct spelling) or 'other' structures portion of most policys........the same 'perils' apply.......as do the same 'exclusions' will depend on why or what caused the damage? sudden and accidental, or gradual deterioration?.......... most if not all h/o policys exclude some parts of 'under ground' Plumbing..........more info and maybe i can help more........
Wiki User
∙ 16y ago
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Will homeowners insurance cover a cracked foundation caused by an earthquake?
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Does Homeowners insurance cover water damage from sprinklers soaking through walls?
As long as the water entered above the ground surface level.
Is ground hog damage by homeowners insurance?
It would depend on what they damaged. If damage is to your homes structure then it is probably covered. However, The insurer may require you resolve any ground hog infestation before they fix the house. It wouldn't do much good to fix it if the ground hogs are going to be allowed to stay and damage it again.
Where can I learn more about homeowners's insurance?
The best way to learn about homeowners insurance is through your car insurance broker. You can also consult the www.hud.gov website to know the ground rules that such agencies should be following.
Will homeowners insurance cover a cracked foundation that the previous owners hid under carpeting?
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.
Does homeowners insurance cover a leak in the water line in your yard and will insurance cover resulting damage to your foundation and inside walls?
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.
Does homeowners insurance cover cracked basement walls?
Settlement cracks and cracks from ground shifting are not covered.
Does homeowners insurance cover a bad slab?
What is bad? Insurance coverage is based on cause or reason. In order to properly answer the question one would need to know why the slab is bad. Why? If a big rig truck ran off the road and into the side of the house and damaged the slab this would be a covered claim. Your homeowners insurance covers claims where a vehicle strikes the house. Did ground water flooding damage the slab? If so you would need flood insurance. No homeowners covers flood. Flood is flood and is insurance offered by FEMA. You don't get flood coverage under homeowners policies. Is the slab bad because the work done to build it was poor? There is no coverage to repair the slab but if the slab being bad caused ensuing damage there may be coverage for ensuing damage. Has the slab just started cracking because no expansion joints were put in the concrete? This is really not a sudden an accidental event. In fact it is normal and thus not something homeowners insurance covers. Need to know why slab is bad to get you a better answer. Tried to answer giving a few different options.
Will homeowners insurance cover a main beam that's leaning?
What is it leaning from? If it's leaning because of some sort of ground settling, no.
Will homeowners insurance pay for damage to an above ground swimming pool?
Above ground pools should be considered "Other Structures" under Coverage B of the homeowners policy. They don't have to be attached permanently--look up the definition of "structures" in the dictionary. But some insurers insist they're personal property, so check with your company. The following provision is the real problem: "loss to a...swimming pool...is not included..unless the loss is a direct result of the collapse of a building...." If your policy contains that wording (usually found in the Additional Coverages section), you probably won't be covered for many common causes of collapse. Finally, note that homeowners policies are not created equal--they differ from company to company, so be sure to read the fine print. '
Does homeowner's insurance cover in ground pool damage due to drought?
Homeowners insurance specifically excludes damage caused by earthquake and movement of earth or soil unless you purchase a separate endorsement for it. The damage has to be the result of a covered cause like fire, lightning, windstorm, weight of ice and snow, vehicle collision, etc. If it is not a covered cause the policy does not provide coverage.AnswerIf drought or ground or soil movement (shrinkage, expansion, etc) is not listed on your policy as a covered peril, then it's probably not covered. It would likely be considered an owners occasional maintenance issue.
Does homeowners insurance cover a foundation wall caving in if no water or mud is present but cement blocks fall into the basement below ground level?
Homeowners policies have an exclusion for 'settling, shrinking, bulging, cracking, ect. of a foundation or wall. You can report the claim and see what your insurance company does, maybe you are on a sinkhole.
