Will homeowners insurance cover damaged tile from the foundation setteling?
No, that is a maintenance issue. Insurance companies don't pay for maintenance on your house.
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.
it depends upon how the car was damaged
Yes, you are correct. Items in your vehicle that are damaged in an accident or fire or whatever are not covered by you auto insurance unless they are part of your vehicle. The alternative is that they are covered on your homeowners insurance. The downfall to this is that you will have a deductible on your homeowners insurance that you will have to meet first.
Most certainly not.
No, You'll have to seek coverage for the Car under you Auto Insurance Policy. Now if the garage door was damaged then your Homeowners policy may fix it if it is below your deductible.
I have a mobile home and the furnace caught on fire and is now damaged does my homeowners insurance cover this as a replacement
It depends what kind of policy you have.
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… Read More
Homeowners insurance is a "Hazard Insurance" It covers your property from unexpected "Sudden Losses" that result from covered perils such as, Fire, Wind, Hail, Falling objects, Theft etc.
What kind of insurance determines the value of what was destroyed or damaged by fire or other events causing loss?
This would be either your homeowners insurance or your renters insurance.
No, That's what Auto Insurance is for. Unless maybe your house fell on your car.
It depends on how the damage was caused. It must have been caused by a "covered cause".
If you had no insurance then you're out of luck. You'll just have to buy a new house or try to rebuild or repair the one that was damaged by the tornado.
Will homeowners insurance cover the installation of a HVAC Unit if your house never has had one before?
NO, Your homeowners Hazard Insurance Policy does not pay for maintenance or other home upgrades. However upgrades should be reported to your insurer as they can be covered if damaged or loss occurs from covered peril on your policy. If your Insurer is not aware that you have added an HVAC unit it will likely not be covered if damaged.
Homeowners Insurance Covers the property detailed under your policy. Trees are not an insured property. If a hurricane blows a tree into your house and damages your home then the damage to your home would be covered but if only the tree is damaged then the tree itself is not covered.
Carpet Damage Yes, if it was damaged due to a covered peril under your policy it will be covered.
For water damaged household goods, you would require flood insurance if the water damage was caused by flood. Otherwise, homeowners insurance or renters insurance would quite possibly work depending on whether you own or rent your home.
Does Florida Homeowners Insurance without extra flood insurance cover water damage if the roof is torn off from a storm and water comes from the sky?
Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.
My mom , while over at my house, dropped one of her hearing aids which fell to the floor. Our bulldog chewed it up. Does homeowners cover the damage to the aid. Your homeowners insurance (Property Hazard Insurance) is specific to the named insured's property. There is no coverage for the property of another. In addition, the cost of a hearing aid would likely be far less than the deductible of the typical home insurance… Read More
It depends on the situation but mostly the car insurance comprehensive coverage would cover any damage done in a non-moving accident.
What help can I get with repairs to my roof after so much rainfall from my property insurance help.?
The best source of information would be your insurance agent or other Insurance Company Representative. Most Homeowners insurance policies have coverage available for storm damaged roofs.
Not if the person lives in the home. An insured cannot be liable against themselves.
Home Invasion and Homeowners Insurance That all depends. What did they steal? Is it covered under your homeowners Policy? If the stolen property is listed as covered under your homeowners Insurance then you should file a claim for the stolen property. If the door or window was kicked in or damaged then you can file a claim for cost of repairs. There is no coverage specific to a home invasion on your homeowners policy so… Read More
What if your neighbors home burned and your home was damaged how can you make a claim with their insurance?
You don't need too. Just make your loss claim on your own homeowners insurance policy. If your neighbor is liable for your loss then your Insurance Company will subrogate the matter for you.
Certainly not. Homeowner's insurance does not pay for renovation to any part of your home unless it was damaged and the damage was due to a covered cause. And, in the case of damage, the insurance will strive to replace, not improve the situation.
If damaged due to a covered peril such As Fire, Wind, Hail, etc,, yes it's covered subject to your deductible.. If damaged to due to wear and tear, No, it would not be covered.
If your air conditioner is not operational due to age, wear or is simply broken down it is not covered under your homeowners Policy. If it was damaged due to a covered peril such as fire or lightning then it should be covered.
Cell phones are covered as are any other contents if damaged by a covered cause such as a fire. The problem is that all homeowners policies have deductibles. It is not adviseable to make small claims on homeowners policies. They are made for large issues such as a fire or other large claims.
Depends on what damaged the roof. They almost always cover it. Call them. If they say they don't cover it, then ask where it says that in their policy.
You would have to establish proof that the foundation was damaged by a covered peril on your home insurance policy. Typical covered perils on a homeowners insurance policy are sudden or catastrophic loss or damage from Fire, Wind Hail, falling objects etc. Foundation damage resulting from ground movement is typically not covered under a home insurance policy as this is considered normal and expected wear and tear over the life of the home except in… Read More
If you own the home, with no mortgage on it, no, you do not have to have insurance. That said, it is very ill advised to not have insurance. When buying a home, insurance is generally required so that in case of any loss, the financial institution that holds the mortgage note is protected from loss should the house be damaged or destroyed.
The best option would be to file an action in small claims court, it's very easy and does not require an attorney.
No, your insurance contract specifies coverage for certain damages that result from the covered perils listed on your policy. Homeowners insurance can not provide coverage for things that are not damaged.
I believe in most any situation that carpet damaged by a dog will not be covered. Of course it will depend on the actual policy and what happened but in most if not all cases this type of damage would not be covered.
If they are damaged by a covered cause then yes. I believe you are referring to damage caused by lack of maintenance and in that case they are not covered. It is specifically your responsibility to maintain the home and homeowners insurance is not designed to do this. If you have a fire or a tornado rips off your roof then the facia boards are covered along with other items damaged.
It depends on why your roof needs replacement. Bear in mind that your property insurance policy is "Hazard and Accident Insurance", and not a home warranty or home maintenance policy. If your roof was damaged by a covered peril such as wind, hail, lightning, etc, Then your homeowners insurance would cover the cost of repair subject to your deductible of the damaged portion. It would only replace the entire roof if your policy has replacement… Read More
Will homeowners insurance cover slab that has settled and cracked to the extent it has pulled away from the house?
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.
No, Homeowners insurance does not cover vehicles, That's what Auto Insurance is for.. It does not matter where the vehicle was parked. If a tree falls on your car or your car is struck by lightning, hail damaged or whatever, makes no difference. When you purchase your auto Insurance you have the option to buy liability or full coverage. Any damage to your vehicle would have to be filed against your auto insurance policy. Answer… Read More
A homeowners policy does not cover and specifically excludes self-motorized vehicles except for lawn mowers used exclusively for maintenance of the property insured. Even in this case the mower is covers if damaged in a covered cause but bodily injury is not a coverage included on a homeowners policy.
No. If you have a loss the company will replace damaged items with same kind and quality. If you want to upgrade the eg. carpet or cabinets you will have to pay the additional cost yourself.
Does homeowners insurance cover parts of underground sprinkler system damaged due to tree uprooting from hurricane?
My initial thought on this is that the sprinkler line would be covered as it is attached to house and was damaged by a tree being blown over by wind. That is unless you happen to have an insurance policy that excludes wind damage which is not uncommon in hurricane prone areas.
An insurance company covers damage to the property if you bought a Homeowners Insurance Policy. They cannot force you to do anything except to pay for the coverage. A landlord of a house you live in, or a condo association can force you to pick up damaged patio cover because it is unsightly and ruins the look of the Condo. Read the Association Laws.
A homeowners insurance policy includes up to 10% of coverage C (Personal Property) while off premises. A fire that occurred while on vacation would certainly be covered under this type of coverage. Another incident is a resident child while staying in a dorm at college would also have coverage for personal property while the property was stolen or damaged by fire or windstorm or such at the college dorm.
Not unless it specifically states that it does and chances are it does not. A good rule of thumb for home insurance coverage is: If something is damaged over a period of time (like septic tanks) it is not covered. If something is damaged immediately (like someone driving over your septic tank drain field) then it would be covered.
No, That would be considered part of the homeowners maintenance responsibility. Failure of the home owner to properly maintain the structure and property could indicate negligence or a moral hazard on the part of the homeowner. Negligence can result in denial of an ensuing claim and cancellation or non renewal of the homeowners insurance policy.
Most Homeowners Insurance Policies do pay roof repairs if damaged by a covered peril so long as its not a worn out roof or pre existing condition. Mold and Termite or other common household pests are not covered unless specified in the named perils or by endorsement. The best chance of getting Homeowners "All Risk" coverage is buy purchasing a Homeowners HOC or HO3 all risk policy.
Your computer should fall under the contents section of your homeowners insurance policy where you should have listed it as a valuable that you want covered. If it is listed in your policy then you should have no problem filing a successful claim but if it is not then you may run into problems.
No, You just need to call the utility company. They will take care of their pole. If a car hit the pole, The drivers auto liability insurance could pay the utility pole owner for the cost of repairs.
If you rent an apartment, you don't need homeOWNERS insurance, but you you definitely need Renters Insurance, which is a form of homeowners insurance. Most renters' policies will protect your personal belongings from perils such as theft and fire. It will also reimburse you the cost of additional living expenses if your apartment or rented home is damaged by a covered peril. A renters policy will also give you liability insurance; don't thnk for a… Read More
Only if it was damaged by a covered peril such as fire, vandalism, falling object, lightning strike, etc. If your Ac is just broken down then it will not be covered under your home insurance policy. That would be a normal and expected maintenance issue.