Want this question answered?
Sorry but homeowners insurance does not pay for preventative replacement of a sewer line. This is an item that would be considered maintenance. Sorry this is not what you want to hear but that's the way it is.
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 it was a sudden leak, they would cover it. But the would not pay to fix the leak in the patio
if the house has a mortgage you have a mortgage payment, property taxes, homeowners insurance. then your utilities water/sewer, gas, electric, telephone and cable.
It is the homeowner's responsibility to clean any mold from the house before you purchase it. It should be in writing.
Yes, subject to your deductible. Call your claims rep.,
It won't. Homeowners insurance is protection from sudden accidental losses, it does cover association dues.
yes subject to your homeowners deductible
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
No
No
Only your insurance agent can tell you. I would think not. It's like getting an oil leak on your car. You pay for that. If the leaf is the result of something falling on your roof I believe that would be an insurance issue.