No, it generally needs to be an "act of God" The contractor should have insurance that would cover it. If you did it, you are SOL. 4lifeguild If the tree fell because of a contractor, they should be bonded and insured (therefore will pay for all damages). If it fell while you were removing it, then your home owners insurance will cover it after you have paid the deductable. If the deductable is $1000 and it costs $1200 to fix it, then it wouldn't be worth filing a $200 claim. Your rates go up by as much as 30% when you file any claim. Do the math and decide for yourself which is the best plan of action.
If a person house has sustained flood damage, one should contact their home insurance company and report the damages. Another person that one should contact is a contractor to estimate the cost of the damages.
See if your insurance company will help you resolve the claim. The contractor should definitely make things right.
Yes, you can keep the extra money you saved by finding a contractor to do the work cheaper than what the insurance company estimated. The insurance company prepared an estimate of the damage. If you could not find a contractor to do the work for what the insurance company estimated, you could ask them for more money. If they chose to pay you for the damage before it was fixed, they cannot ask for it back if you got the work done cheaper.
No,, Your home insurance policy does not cover work performed by your chosen contractor. That's what the Contractors Liability insurance is for.Your contractor who provided the thermal treatment service should have General Liability Insurance to cover damages that were created or caused by the work they performed.Never hire a contractor without first verifying they have the appropriate coverage to protect their clients.
Yes, as long as the vehicle was on the policy when the damage occurred it will be covered.
HO insurance policies are typically all risk and as such would cover such loss
Contractor liability insurance typically covers property damage and bodily injury. It also will cover products and completed operations as well as personal and advertising injury.
Contractors will be required to carry a minimum of public liability insurance when working on sites. This provides indemnity against damage to property or persons caused by the contractor, his staff or his equipment.
All legitimate businesses have insurance to protect against injury and/or damage to property. Before engaging the service of any contractor, it is wise to make sure that the contractor is sufficiently insured.
"Yes, Shelter Insurance offers coverage for natural damages caused by things such as a storm, although the customer is responsible for reporting such damages in a timely manner. You are also required to ensure that the damaged property does not incur more damage by providing proper protection after the damage."
NO, liability covers damage you do to someone else's property. Comprehensive insurance covers damage to your vehicle by someone else. If you have no comprehensive, then you will need to look to their insurance for recovery of damages.
Auto insurance consists of both liability insurance and physical damage coverage. Collision coverage is part of the physical damage section of an insurance policy and is designed to either repair or replace your vehicle if you are involved in an accident up to the fair market value of the vehicle. Collision will pay for both damages caused in an at-fault accident and damages caused in a not at-fault accident if the other party did not have insurance. If the other party did have insurance and they were responsible for the damages, the other party's liability insurance would pay for your vehicle damages through Property Damage coverage. You are responsible to pay for your collision deductible for at-fault accidents before a claims payout will be made.