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.
Inside your home or outside and did you bother to READ your policy?
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.
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.
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.
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.
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.
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.