Generally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house.
Cracks in brick & mortar are generally due to normal & gradual settlement and are not covered. They can also indicate foundation problems (also not usually covered unless due to a Plumbing leak)
Homeowners insurance specifically excludes damage done to any four wheel motorized vehicles and motorcycles. Your only coverage for such is under an auto insurance policy and you will need to have comprehensive coverage for such a claim.
Not generally. If the repair man is responsible for damage, he is also responsible to repair it.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
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.
most of the time they will only damages caused by the bad repair not the repair itself 1. Read your policy 2. Call your insurance agent and ask THEM.
Inside your home or outside and did you bother to READ your policy?
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.
It depends on what caused the leak. If your leak was caused by a covered peril on your policy such as Hail wind fire etc, then your homeowners insurance would cover the cost of a repair and the repair of internal damage resulting from the leak. If the leak is resultant of aged material or normal wear and tear such as an old faucet or an old roof that has outlived the life of the material, then it is a maintenance issue and would not be covered under your homeowners insurance policy.
It depends on why it went out. Your Homeowners policy covers damage resulting from certain perils such as fire wind hail, lightning etc If it's just old ac unit and in need of replacement or repair then NO. Your homeowners insurance does not provide coverage for homeowners normal maintenance and updates.
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.
Yes, homeowners insurance will cover garage door damage. You may want to look at your policy to find out what your deductible is. If the deductible is more than the cost of the repair to the door, it would not be beneficial to file a claim.
No. Specific exclusions apply to faulty construction, workmanship, renovations, ect. //
They should. They cut YOUR wires, didn't they?
No, Damages that result from what is considered normal wear and tear are not a covered peril.
No, it won't pay your mortgage note or your equity line note, but your homeowners insurance will pay to repair the fire damage to your home.
If the pool is an insured structure on your home insurance policy then it would be covered in the event of damage by a specified peril. Maintenance and repair of pool equipment and supplies would not be covered.
No, an insurance company cannot force you to use their own contractor unless they invoke their option to repair pursuant to the policy. Take a look at your policy and ask the company if they are invoking their option to repair. If not, you are free to use your own contractor.
It protects the insurance company from fraud. Any damage that already exists and shows in the pictures cannot be claimed later to get a "free" repair. Also if you add on to the house and don't notify the insurance company, the addition will not be covered.
yes this would be damage caused by ice..not by general deterioration
The website autos.com/auto-repair/car-repair-insurance has a listing of auto repair insurance carriers. Also, it explains the purpose of the insurance and a guide to tell whether or not you need it.
No. that's what Auto Insurance is for. Home insurance covers damage to your home from wind, hail, fire, lightning etc. Likewise, your auto insurance, comprehensive coverage would repair wind, fire, hail and lightning related damage to your vehicle.
Homeowners policies exclude damage due to "settling, cracking, bulging, shrinkage or expansion of foundations, walls, floors, ceilings, walks, drives, curbs, fences, retaining walls..." (language varies by state)
No Homeowners ins. does not protect you from termite damage. You would have to have a contract with a termite company that is insured and the warranty would have to be a re treatment and repair policy. Treatment is required for this warranty however and normally cost between 600-1500 dollars.
First and foremost make sure they have a contractors business license and insurance incase of a mishap so you don't have to use your homeowners insurance. If they want your business they will give you a free quote. Get it in writting.