Homeowner's Insurance

The moving company should have their own insurance if items were damaged during the moving process, if not I would get a lawyer!

In homeowners insurance, abnormal goods are items not commonly found in most homes. For example, a large amount of professional photography equipment, or an amateur radio operator's communications equipment. Since these items are not very common in most homes, they are considered abnormal goods that, unless covered specifically by a rider, are not covered in homeowners insurance.

No, Homeowners Insurance is Property Coverage, not financial or Investment Insurance.

If your policy contains "Loss of Use", Yes. this is the portion of your policy that provides for temporary living expenses while your home is being repaired from damages that resulted from a covered loss.

depends what you mean, insurance will pay for a fire from an faulty electrical system, the insurance company will not pay for the faulty product itself only the resulting damage.

You need to read your policy for the details of what is covered as there are special limits on many items including, jewelry, art, collectibles, firearm among many other items. I recommend that you go through this part of your policy in DETAIL to see the coverages that are provided, if they do not appear to be enough contact your agent and see if they can sell you additional coverage for those items.

Homeowners Insurance is specific to the property of the named insured(s). It does not matter what state your in.

If you are a third party not named on the Home insurance policy, then you nor any of your property would be covered and you would not have a valid claim.

Call your city hall or fire department and they will know what the protection class is for your city. If you are within 1000 feet of a fire hydrant and within 5 miles of the fire department you get the city class. If you are over 1000 feet from a hydrant but withing 5 miles of a fire department you are class 9. If you are over 5 miles from a fire department then you are a class 10.

thats hard to say..AM Best is the gold standard for insurance company ratings... Demotech, while not the best, still gives good predictions of company solvency. I wouldn't be too worried about it so long as the insurance carrier in question is "admitted"

All homeowners policies cover damage caused by lightning.

Call your fire department, city hall, or insurance agent.

The answer is a mix or a yes and a no. The actual septic line is most likely not going to be covered unless a covered loss caused the damage. However, there may be some coverage for items that were damaged as a result of the broken line.

No, There is no such law.

What the company will pay for the repair of your roof is dependent on what type of policy you bought and the age of your roofing material.

If you bought an HO1, the cheapest Home Insurance Policy then you probably have cash value coverage. The company will only pay to repair the damaged portion of your roof. Match and asthetic issues are generally excluded from coverage under the HO1

If you bought an HO2 or HO3 policy then you may have full replacement value coverage, in which case they will pay whatever it cost to replace the entire roof.

Match issues are addressed in your Insurance Policy Contract you agreed to when you purchased your insurance.

Yes. That is covered on a homeowners policy.

You can probably check the website for the Department of Insurance for Illinois. It should have the requirements for licensing and the process as well.

Call your city hall or fire department and they will know what the protection class is for your city. If you are within 1000 feet of a fire hydrant and within 5 miles of the fire department you get the city class. If you are over 1000 feet from a hydrant but withing 5 miles of a fire department you are class 9. If you are over 5 miles from a fire department then you are a class 10.

It depends on what level of insurance you purchased.

Some policies are based on Replacement Valuation and will pay to completely rebuild the home in the event of a covered loss. Other policies are based on ACV or Depreciated value and may not provide enough coverage for reconstruction.

It just depends on how much coverage you bought when you shopped your policy.

There is no agree or disagree with the policy. The policy and the application together make up a legal contract. I don't know what you are really talking about but any part of the contract are not really negotiable. Amounts that you are paid for a claim may have a little negotiation as to the value of damaged property.

You would have to review your policy to be certain but in most cases I would unfortunately say No, they will not pay for that. Insurance is simply there to assist you in the event that an event occurs that causes damage to your property. Typically they will consider a tree root causing damage to a foundation to be a long term event and therefore not meeting the definition of a covered loss.

Unless you are in the business of what you are doing yourself, I would not recommend 'creating' an invoice. I would recommend being upfront with them and providing any receipts you have for materials and see if and what they are willing to do for your time spent making the repairs. You may find out that it is worth it just to hire someone as they don't typically feel that your time is worth much money!

The answer is on most occasions, No, they can not keep your money. The only times where I have seen them not release the money is if you are behind on your mortgage payments and in that case they may be able to apply any surplus money to your balance. If you refer to your mortgage doc's you will actually see an area in the docs where they discuss your situation and explain how the process will work. Even in many cases where you may fall behind on the mortgage they will still need to release money for the work that was done. I recommend examining your doc's to see exactly how this will work in your situation.

Call your fire department, city hall, or insurance agent.

Call your city hall or fire department and they will know what the protection class is for your city. If you are within 1000 feet of a fire hydrant and within 5 miles of the fire department you get the city class. If you are over 1000 feet from a hydrant but withing 5 miles of a fire department you are class 9. If you are over 5 miles from a fire department then you are a class 10.