Homeowner's Insurance

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Yes, it is important for North Carolina to assist homeowners in barrier islands vulnerable to storms to rebuild after one, as they are at high risk of devastation. Providing financial assistance, infrastructure improvements, and guidance on resilient building practices can help mitigate future damage and protect the safety and livelihoods of residents in these areas.

Hail can damage roofs, siding, windows, cars, satellite dishes, and each year causes millions of dollars of damage to crops like corn and soy beans. It can rip the leaves off of trees and in extreme cases, kill small animals.

A-zones are areas designated as high-risk for flooding by the Federal Emergency Management Agency (FEMA). Building regulations and mandatory flood insurance requirements are in place to reduce the impact of potential flooding in these zones.

The risk and historical rate of injury associated with Trampolines enclosed or not is so High that it exceeds the entire property value and liability limits of most any Home Owners Insurance Policy that Insurers are willing to offer on a property form. this is why they are usually prohibited or excluded from home owners policies.

Trampolines are considered a recreational sports risk all on their own. Some companies may offer the coverage through a rider on your current policy or throough an umbrella or other separate policy form.

Yes - they are fine in an enclosed yard, but allow room around the trampolines. Normally about 2 metres all around. Also put the trampoline on grass rather than hard standing. It will be fine on concrete for small children, but adult bouncers , going hard will put too much pressure on the legs, and the grass gives a little.

All the parties who share the common fencing are equally responsible for it's repair or replacement. The owner of the property on which the tree was located is only responsible for their "fair share" not for the entire amount.

Assuming you are talking about a home water heater, there is a pressure relief valve above the hot water line - usually on a tee or an ell above where the hot water line comes out of the heater and usually leads to the floor and under the house. The valve is designed to relieve the pressure in the water heater when the water becomes too hot. The valve may have corroded and is stuck in the open position thereby releasing the hot water. You can feel the pipe that connects to the valve = if it is hot, it is leaking water; if it is cold, the problem lies elsewhere - maybe the thermostat could be set too low.

Answer No. If it was caused by something happening (tree falling, hail storm, etc), then it would cover it. Deterioration over time will not be covered. If you need to file a claim because something happened to break your roof, then you need to think about this in the long term before filing. Some things to consider: What is your deductible? If it is $1000 and the roof will cost $1200, then filing for the extra $200 is not worth it. Your premiums go up after filing any claim (no matter the reason) by about 30% for years - you will want to consult your policy for the exact amount of time. So do the math and decide before filing. Your agent can also help you decide before filing, your premium wont go up for just talking about it with your agent.

If you had leaks in the roof due to lack of maintenance and leaks occurred in the roof then no it would no cover this type of damage. Home insurance covers damage that is "sudden and accidental" and caused by a covered cause, it does not cover maintenance, normal wear, and damage that happened over a period of time.

No, most homeowner's insurance policies do not cover deterioration or normal wear and tear. They typically only cover sudden and accidental damage caused by specific events listed in the policy, such as fires, storms, or theft. It is important to regularly maintain your property to prevent deterioration that can result in larger problems.

Yes, in most cases, a homeowner's insurance policy would typically cover accidental damage to your glass top range caused by a dropped plate, subject to your deductible and the terms of your policy. It's best to review your policy or contact your insurance provider to confirm coverage.

Your homeowners policy will cover this under personal property. You must be careful though...most policies (in New York) exclude coverage for liablilty for a tramopline. You may be opening doors for a cancellation.

Your insurance actually requires that the insured make all reasonable and necessary repairs to prevent further damage to the property. The company should consider the value of what you have done and, if you have documented your efforts with receipts for items purchased and amount of time spent doing temporary repairs, they would be able to consider this as part of the claim.

Best of luck to you...we were flooded by the remnants of Tropical Storm Gaston last August, have flood insurance, and still went throuugh the ringer trying to get compensated...I don't know about your homeowners, but our flood insurance had TWO deductibles, one for contents, one for building..each deductible was $500. Also, we were totally honest, had replacement cost, but, at least w flood insurance, then still take off depreciation. Also, any work you do yourself, they only pay you minimum wage to do the work--you might as well hire a professtional. This happened to me in Virginia and my step dad in Illinois.

In a homeowners policy, territory refers to the geographic area where the policy provides coverage. This typically includes the home itself, external structures, personal property, and liability coverage within a certain location specified in the policy declaration. It's important to understand the territory limit of your policy to ensure you have appropriate coverage.

All state shave a statute of limitations on property claims. They generally range from 1 to 2 yeasr from the date of loss.

Contact your insurer or your insurance agent for clarification and limitations of coverages in the state for which the home insurance policy was issued.

No, most likely you signed a complete release when you received payment for the incident which would release the homeowner from any further action by you for this incident. You don't get two bites at the same apple.

Depreciation is determined by the policy and not the "insurance laws"

If your policy has "replacement cost" benefit, there is no depreciation taken at the time of a claim.

If your policy has "actual cash value" benefit, there is depreciation taken off your settlement at the time of a claim.

In the United States, insurance proceeds from a homeowners insurance settlement due to hail damage are typically not taxable as income. However, if you previously claimed a deduction for the repair costs on your tax return, you may need to adjust your tax basis in the property. It is advisable to consult with a tax professional to understand the specific implications for your situation.

Anyone can sue any one for most any reason. Being able to collect is a different story.

If you higher a builder you should make sure that they carry Liability insurance and that the property owner is named as an Additional Insured on the builder's policy.

That way, if you are sued for the act of your builder their insurance would protect you and then your insurance, if any, if you are held responsible and will provide protection if the builder does not have sufficient protection.

No. Homeowners insurance is "Property Insurance" it does not provide coverage for personal injury to the insured.

You should look to your medical insurance for coverage applicable to bodily injury and your life insurance policy for compensation for loss of life.

If your neighbor is liable through negligence for causing fire damage to your property you could file a claim on the liability portion of your neighbors insurance policy. If he caused the fire intentionally then his insurance company would not pay for damages as criminal acts are not covered.

Generally No. If you have already sued the Home Insurance Company, then you have already sued by default the Homeowner. You can not have sued one without already having sued the other.

If a property owner is liable to you for an accidental injury, The home owner may have insurance to cover those liabilities.

The insurance company would not be the cause of an accident. If you sue an insured homeowner, their insurance company is only enjoined in the suit by virtue of the coverage provided to their insured home owner who has been sued.

The homeowners insurance company may cover the cost of defense of the suit filed against the insured homeowner and may pay awards or judgments up to the limits of the homeowners insurance policy on behalf of that insured homeowner.

Bear in mind that the Insurance Company is not liable for an accident, The insurance company may be liable for damages and awards based on assertions and finding of liability on the part of the insured homeowner.

If your suit failed (or you Lost the suit), Then that means the homeowner was found not liable for your injuries.

If you have accepted a settlement from the insurance company, that settlement will have settled your claims against the homeowner.

NO, But if you live in a designated "Flood Zone" and have financed your home through a mortgage company, then it is probably part of your mortgage contract that you signed with your lender that you would maintain a flood insurance policy until you pay off the mortgage note.

If you fail to purchase the required coverage you are in breach of contract with your mortgage lender. By law and by the terms of your mortgage agreement they can purchase it for you and add the cost to your monthly house payment.

Failure or refusal to maintain the required coverage and pay for the cost of the flood insurance could be the first sign of an eventual foreclosure in the near future.

If you are in the United States then the answer is yes. Anyone can sue anyone else at any time for anything. It is your right.

However, if you are to have a chance of winning your case you will have to prove that the other party , your landlord was somehow negligent or directly responsible for the fire in the course of your loss.

Remember that since Tort Reform, if you lose your suit against your landlord you will be responsible for all legal costs. Yours and The Landords attorney bill, all court costs as well as any other damages such as punitive and lost income suffered by your landlord as a result of your suit.

Last but not least, this is probably more of a legal question than an insurance question.