A Met Life homeowners policy is a standard homeowners policy and would be the same as most other policies. Damage due to improper workmanship or settling of the home would not be covered on any homeowners policy. Loss must be due to a covered cause in order for the loss to be covered on the policy. Neither of these items are a covered cause.
That would be covered under Your Builders General Liabiity Insurance Policy,
Your bathroom sink may be leaking from the drain gasket due to wear and tear, improper installation, or a loose connection. It is important to address this issue promptly to prevent further damage and water wastage.
It depends what caused the separation. If it was from improper installation or a design flaw the damage will not be covered. However, if the damage was caused by a covered loss then the damage will be covered. Review the Perils Insured Against section of your policy to determine if the loss is covered. You may need to retain an engineer to determine the cause.
Common issues to watch out for with bathroom sink supply lines include leaks, corrosion, blockages, and improper installation. Regular inspection and maintenance can help prevent these problems and ensure the proper functioning of the sink.
You home insurance will cover certain "sudden" losses resulting from the perils described in your policy. Typical sudden loss perils are fire, wind, hail, lightning etc. Your homeowners insurance policy does not provide coverage for poorly installed roofs nor for cosmetic or aesthetic conditions of your home nor from conditions that result from normal wear and tear. If your roof has developed blisters this could be a sign of age or of improper installation of the roofing materials and can be addressed by your roofing contractors General Liability policy. Most Contractors General Liability insurance policies provide coverage for the Roofers completed operations and quality of workmanship issues.
Improper installation.
No
Defective faucet or foreign material got into faucet at installation. Improper installation.
Yes. Mostly when if there is loose connection or improper installation
Damaged or manufacturing defect in the seal before installation, improper installation, deterioration of the seal over time.
Many homeowners are do-it-yourself types of people. If there's a creaky door or a leaky pipe, they'll be the first ones to lift a tool to just fix it. However, a security system alarm is not one of those projects homeowners should be tinkering with, no matter how experienced they are. Many professional security companies will install alarm systems for free, as long as it comes with a one- or two-year contract. Security system alarms contain very delicate and fine equipment, set to alert homeowners and possibly emergency services in the case of a break-in, fire, or other disaster. Since even a slightly improper installation can hinder its alarm capabilities, homeowners should leave the security system to a professional company.
Technically, you do not sue the insurance company. You sue the homeowner on the basis of what the owner may have done to cause the injury. The insurance company is there simply to pay the damages awarded to you by the jury.