no
All homeowners policies cover damage caused by lightning.
Yes, but you would have to pay what your homeowners deductible.
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.
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
Accidental, Yes. Intentional, No
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
if you had repaired it when it was first damaged, it would be an easy choice. But in this case, you have to CONVINCE the "others" that they also damaged it. Since you did not replace it when it was damaged, you would have no case in a court.
No, this is considered normal wear and tear.
Yes, they are through their homeowners policy.