You will need to read the policy. they are not all the same. Water discharge coverage is optional.
Contact your insurance agent if your not sure whether you have it or not and what limits are available to you.
No. Your policy will only cover damages which were caused by a covered loss during the policy period.
In most states, homeowner's insurance does not cover water damage from a leaky roof. Water damage is generally covered under a separate policy called flood insurance.
No. This is not a covered cause under a homeowners policy. This is something that was caused by the homeowners neglect which is not covered under the terms of the policy.
depends on your specific policy form. you would need "all risks" coverage to have any shot. if you have a standard "named peril" policy - no coverage
No. Your homeowners policy does not cover appliance maintenance issues or degradation due to normal wear and tear
No, but if the failure causes a fire or water damage, then the water and fire damage will be covered.
Yes. This is not a 'flood' situation. Flood insurance covers rising waters entering the home. The homeowners policy covers resulting water damage from a wind damaged roof.
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!
depends on circumstances if liability policy of neighbor would respond - are they negligent? also an insurance policy is occurrence based - the occurrence would have occurred before you purchased a unit owner policy - therefore the water damage would be excluded.
It is best to check with your insurer. All policies are different.
Depending on the source of the water, typically yes.
Contractors LiabilityThe contractors General Liability Insurance policy will cover damage resulting from faulty workmanship. You need to call the contractor.AnswerDepends on the policy. There are different levels of coverage available. All risk policies would cover the damage by water, but not fixing the contractor improper construction, and would then go after the contractor insurance for reimbursement. Named Peril policies, lower level coverage, wouldn't cover any of it.Jack from Northeast Pa