Homeowner's Insurance

Generally coverage is provided but there can be limiting factors. If it can be established with the utility company that heat was not maintained in a dwelling and there is no winterizing of the plumbing system a pipe freeze water loss can be denied. Because those conditions are fairly hard to establish in most cases the damage is provided coverage.

No. This sounds like a manufacturer or maintenance issue. Something is wrong with the pool itself or with the way it was installed as the earth behind pool walls has washed away making it loose support and fail. For a homeowners policy to pay for damages the damage must be the fault of a covered cause. I can't see how the damage you are describing could be from a coverer cause. Homeowners insurance is not made to cover maintenance issues or manufacturer defects. First I would contact whoever installed the pool. If it has been past the warranty period I would check with a professional to see what the cause of the damage is first.

Bear in mind that most companies strictly prohibit coverage for homeowners who have a Trampoline. Generally when the Home Insurance Company discovers that you own a Trampoline they cancel your policy. whether an injury has occurred or not.

If you have homeowners liability coverage, and you do not have a trampoline exclusion, then yes, liability would cover non-household members. Be prepared though to have your insurance cancelled.

It depends on what caused the collapse. If the deck collapsed due to a covered peril, such as fire, wind hail, etc, then yes it is covered. If the deck is just old and in need of repair or replacement then the answer is no, as this would be considered normal expected maintenance for a home owner.

A homeowner is liable only because it is his property whether there were a hazard or not. Fear not, your homeowners Med pay and liability coverage will protect you and it will not count against you unless there was a hazard that you had the responsibility to remove or repair.

If you mean by what other names one might call water damage, here are a few:

water cleanup

flood damage

water spill

water restoration

flood cleanup

bubbling

warping

You should refer to your homeowners policy, liability section. Many policies may have an exclusion for 'tenants' who are injured on the residence premises. Normally, non-trespassers are covered for injury that may occur on your property. Med pay coverage provides medical expense for injured parties. For a serious injury the liability section will consider your negligence (responsibility) for the injury and may or may not provide coverage for the injured person.

It depends on the peril, the policy form, exclusions etc. You need to turn in your claim to get this answer. If the peril/loss is covered it should also cover (barring any exclusion to the contrary), damage that resulted from the water damage.

No, Homeowners insurance does not provide coverage for maintenance issues nor for quality of workmanship.

Occasional upkeep and replacement of siding is an normal and expected maintenance issue incidental to home ownership.

If it was installed incorrectly then you could turn to the general liability insurance policy of teh contractor who installed it for coverage.

If it was in that condition when you purchased the home then your would turn to your Home Buyers Warranty for coverage.

Unfortunately not. Read your policy well but more then likely not! I worked in two different insurance companies and water damage was a very big deal! The only way you could get any type of coverage was if you had flood insurance, if you lived in a flood zone, and IF FEMA declared it a flood! Sorry!

Yes, most likely because renters is more for you, the apartments contents and your persoanl liability. Your landlord however could have his fire policy cancelled or require you to remove the liability so he is not at risk.

When you own a home you are libl for nything that happens on your property. Homeowners liability insurance covers you in the event someone i injured on your property.

Homeowner's liability insurance covers the homeowner in the event that someone gets injured while on their property. It covers medical bills and other expenses for guests if something happens to them while at your home.

Probably Not. It has to be damaged due to a covered cause. If it was damaged, the repair is probably less than the cost to repair it. Remember, the units electrical system would be repaired not the whole hot tub replaced. At most it would be a small motor replaced. Fix it and don't have a claim on your record. Save your house insurance for the large claims.

If the pool belongs to the Tenant then the Tenant will have to insure it.

Above ground pools should be considered "Other Structures" under Coverage B of the homeowners policy. They don't have to be attached permanently--look up the definition of "structures" in the dictionary. But some insurers insist they're personal property, so check with your company. The following provision is the real problem: "loss to a...swimming pool...is not included..unless the loss is a direct result of the collapse of a building...." If your policy contains that wording (usually found in the Additional Coverages section), you probably won't be covered for many common causes of collapse. Finally, note that homeowners policies are not created equal--they differ from company to company, so be sure to read the fine print. '

If the policy specifically covers the pool, yes. If there is no specific mention of the pool in any of the insurance coverage papers, no. I don't think that there needs to be specific mention of the pool in the policy. The wind damgae should be covered subject to the deductible. Be aware though that even minor claims can cause your insurance premium to go up so get good advice before proceeding with the claim.

Damage to anything covered by the landlord's insurance, because the landlord owns the property not the renter. Such damage would be covered under homeowner's insurance, because the homeowner owns the property.

Damage to anything covered by the landlord's insurance, because the landlord owns the property not the renter. Such damage would be covered under homeowner's insurance, because the homeowner owns the property.

Some will yes, but they may require you agree to an exclusion of the roof from policy coverage as it has already exceeded it's life expectancy. Once the roof has exceeded it's life expectancy, it is considered to have zero value. You can't really insure zero.

The most common type of insurance that protects against natural disasters is flood insurance. Floods can destroy a property. And they are very unpredictable. With that said make sure the amount of coverage covers the true value of one's home or business office. Also, shop around for the best deal.

What caused the soot damage? All homeowners policies determine factors based on the cause of the damage. This has to be determined first. If the soot is from you using the fireplace over time without closing the flue and it happened over the years to where it is now noticeable, there is not coverage for such. If you had a fire that was covered under the policy, then it would be covered and removed.

yes

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.