Most insurance policies now carry a "Mold Remediation" limitation. That means that the policy will only pay up to a certain limit for clean up.
Some policies "exclude" mold altogether. Which means you have no reimbursement for clean up.
Check your policy provisions to see how your policy responds. Please note that the Mold growth needs to be from a covered loss and not a maintenance issue so air condition seepage ( a maintenance issue ) is not a valid reason for a claim.
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.
mold cannot be caused by insulation - likely location of insulation and cause of moisture will need to be determined for coverage analysis - contact your agent
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
Only if you have earthquake coverage. A regular homeowners policy excludes damage caused by ground movement or earthquakes.
Yes, but you would have to pay what your homeowners deductible.
Depends on your policy! Check with your agent. Mine covers removal of guano, repair of damage caused by bats, but NOT the removal of the bats themselves. Subject, of course, to normal deductible. Fortunately, my bat exclusion estimate breaks that stuff out already so it helps for me.
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.
Since the mid 1990's, All homeowners policies exclude coverage for mold, mildew and fungus. This is generally considered a maintenance issue or lack thereof unless the mold is resultant of a loss caused by a covered peril. Some companies do offer a mold coverage endorsement for an additional premium payment that can be added to the Homeowners insurance policy.
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.
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 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.
No, this is considered normal wear and tear.
No. Your Homeowners insurance is "Property" insurance. It covers property damages caused by certain covered Perils such as Fire, Wind, Hail, Lightning, Fire etc. You will not find coverage on your Home Insurance Policy for death or related expenses.
Generally this would be considered expected normal wear and tear which is not a covered peril under a homeowners insurance policy. Concrete cracks, there's just no way around it.
Automobiles are covered by Auto Insurance. If you have full coverage auto it will repair any damages caused to your vehicle by the shopping cart, minus your deductible of course. Homeowners Insurance does not cover automobiles, if it did, we would have no need for car insurance.
I cannot think of any cause for a sewer line damage being caused by something that would be covered by a homeowners policy. It is probably maintenance and not an issue for your home insurance.