Homeowner's Insurance

A toilet is a plumbing fixture that is generally located in a bathroom. It is also known as a water closet and a loo. A toilet is used when one has to either urinate or pass waste, cleanly and hygienically. A toilet comes in various shapes and sizes and has many ways in which to flush it. Due to the high volume of vandalisim to this question. It has been locked and protected. If you would like to add some information of value please contact the plumbing supervisor. A toilet is a large basin used for urinating and defecating. In industrialized nations, a toilet is connected to a sewage system and is equipped with a handle for flushing the waste.
A toilet is a sanitation device that is used to dispose of waste from the human body.

It takes as long as it takes depending on how far they are apart.Undoubtedly it is a long run. You have tow options. Installed a small dedicated instant on heater near the bathroom. You can also install a small pump that circulates the hot water constantly from the water heater to the bathroom. Either of these methods will give you hot water instantly. Contact a plumber for details.

There are only two types of TV's that you can drop: a TV that belongs to you, and one that does not belong to you.

Let's deal with the TV that does not belong to you first. Let's pretend you are helping your neighbor move their TV from one room to another. During the process you drop it. Your homeowners or renters insurance includes liability coverage that is usually phrased "Property Damage to Others". This property damage to others usually covers a maximum of $500. However, if your neighbor decides to hold you liable (i.e. take you to court) to replace the TV, the full value would be covered under the "Personal/Family Liability" coverage.

Now let us address your personal TV. A TV is personal property, so you'd have to look under the Personal Property Coverages and Exclusions section of your contract. Most likely, your personal property are covered for what's called "Named Perils". Named Perils are the things insurance companies NAME that you're covered for. "Dropping" isn't a Named Peril.

Your contents could also be covered for what's called "All Risks". This means that you're covered for ALL situations, minus the list of exclusions. The All Risks gives you more coverage. So dropping your TV would probably be covered, if you have the All Risks. Most policies do not have this type of coverage for the personal property.

Your best bet is to verify all of this with your agent, or your state department of insurance.

Acoustic ultrasound, trace gas detection and thermal imaging can all be used to find slab leaks. For larger leaks or thicker concrete, Ground penetrating radar, and electronic correlation technology can be used. Or, of course, you can just start making holes, and stick your head under the ground to listen for the leaks...

Maybe, Maybe not. It depends on whether your neighbor is "legally liable" for your water damage.

If the neighbor is not liable then they do not have to pay.

If the neighbor is liable, it should be covered under the liability portion of your neighbors property insurance policy if he selected liability coverage when he purchased his policy.

Some may but in general they are considered exposures to risk and will be excluded or your coverage may even be canceled. You will need to speak with an agent or agencies in order to find a company that will accept a trampoline risk.

Check your insurance policy. If you selected medical coverage when you purchased your policy. There is usually a small amount (about 500 dollars) of medical for the named insured that covers minor house hold injuries. Otherwise you would need to look to your health or major medical insurance policy for personal injuries.

It really just depends on the type of policy you purchased and the language.

Homeowners policy form

HOA Basic Form may not provide coverage depending on whether you purchase the extended coverage.

HOB Broad coverage with EC will likely cover the damage

HOC all Risk Policy form will most likely cover it.

Its best to contact your agent and ask about it. Your agent will be most familiar with the coverage type you purchased.

Perhaps, and perhaps not. It just depends on the circumstances that led to the person being injured.

Contrary to popular belief, We are not automatically liable for everything that occurs on our property.

Just contact your insurance agent and explain what happened, He will likely be able to tell you if your liable or not.

Generally, yes, BUT it depends on several things which you need to check out with your insurance agent and possibly an attorney: * Whether or not it is covered or excluded in your policy. * The insurance laws of your state. * The circumstances of the water from the toilet causing damage. Again, you need to discuss this with your insurance agent, and depending on his/her answers you may need to follow through with the other sources.

The question can not be answered until you disclose the reason it fell.

Your question is a bit vague and does not clarify for what you are seeking coverage, Injury or Property Damage. You may want to contact your insurance agent for coverage clarification.

Your home insurance policy does not provide coverage for illegal or criminal acts.

Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers certain losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc.

Many Homeowners Insurance polices also provide liability coverage for certain accidental injuries to others for which you are legally liable along with legal defense for those liabilities. A fight would likely not be considered accidental.

A Homeowners policy will also often have a small amount of medical coverage for injuries sustained by the insured in or around the home.

If Someone sues you as a result of an injury sustained on your property or in your home you should forward the notice of suit to your insurer for coverage and legal defense consideration.

Most insurance companies will not insure a home with a trampoline. Check with your agent. Regardless, evey homeowner should have at least $500,000 liability coverage if not 1 Mil. It is very affordable. 4lifeguild

Unless you can prove that the neighbor was negligent by not removing the tree then your insurance pays for your damage. For negligence to occur the neighbor would have to know that the tree was dead and about to fall on your property. Usually you would have had to notify your neighbor in writing of the tree's impending falling for them to be liable.

They are not an excluded structure under the homeowner's policy. However, all policies will exclude damage to a retaining wall caused by the pressure or weight of water whether driven by wind or not. As this, along with the deterioration over time (also an exclusion)are the most prominent causes of damage to retaining walls, there are not many covered losses for them.//

It would depend on who was assaulted, medical coverage that comes with the homeowners policy may cover a visitor to the home.

1 yard = 3 feet 160 feet / 3 = X X = 53.33 yards

yes, under your additional structures coverage, which is typically up to 10% of whatever your home is insured for. if less than a $1,500 claim, don't do it. it'll hurt you. i am an insurance agent.

No. The rotting of the logs on the log home are a maintenance issue and are not due to a covered cause. The log home seems that it was not properly sealed.

I would imagine yes but will depend on your local laws. Phone your local council for advice. In most municipalities, the neighbor has the right to trim any branches off your tree that hang over his property--at his expense. Insurance companies expect that homeowners will protect their homes from any tree branches whether they belong to the homeowner or the neighbor's tree

Generally no, unless it is due to a SUDDEN and ACCIDENTAL event such as a tree falling against your house.

Cracks in brick & mortar are generally due to normal & gradual settlement and are not covered. They can also indicate foundation problems (also not usually covered unless due to a plumbing leak)

It just depends on the type of policy your purchased. You may want to contact your insurance agent if you need help determining your coverage.

Most Homeowners insurance policies will only remove the tree debris if the tree also caused damage to your home. Otherwise it's just another felled tree and considered a homeowners maintenance issue.

The cost of hiring someone to haul tree debris away is usually far below the cost of your insurance deductible.

Also, in most U.S. cities all you really have to do is drag the debris to your curb and the city will generally haul it away on the next bulk trash day for free.

genius guy,i think its a good idea to get homeowners insurance. If you own the house outright, then no it is not required but if you have a mortgage, then the institution that made the loan most likely does require it. They already have laid out the monies for the real estate they do not pay to insure it also. You can add your taxes and insurance into an escrow account the will include those expenses with your mortgage payment, that you pay monthly so as at the end of the year you do not have to come up with two lump sums of big money. The bank or mortgage company see's to it that not only do your monies go to mort. but the other two as well...It makes things easier...

Some insurance companies will cover some of the cost of slab leak repair. You will not be able to get covered for the actual labor to cut the pipe, or the repair parts, but if you have slab leak coverage, the insurance company may pay to find the leak, dig to access the leak, and repair the concrete as well as the floor above the leak's location (subject to the terms and limitations of the policy). Some insurance companies will not cover the cost at all. Call your agent to start the process. If you are dissatisfied with the result, you may want to consider hiring a licensed independent adjuster to analyze the policy on your behalf and to act as your advocate.