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Is a fall on a wet deck covered by medical insurance or homeowners?
Wiki User
∙ 11y ago
It depends on who fell and why. Homeowners Insurance is Property Insurance
Homeowners Insurance may sometimes provide a very small amount of coverage for minor household related injuries for the named insured.
Visitor injuries would be subject to home owners liability terms.
Major Medical insurance provides comprehensive coverage up to the policy limits regardless of where a personal injury occurred.
It's much better to handle it with your medical insurer.
Answer.homeownersWiki User
∙ 11y ago
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Is a porch and deck covered under homeowner insurance or Flood insurance?
yes
Does homeowners insurance cover a redwood deck rotted?
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.
Does homeowners insurance cover sagging deck posts?
Most likely No. Homeowners insurance is also known as "Hazard Insurance" and "Catastrophe Insurance". So it really just depends on why your Deck Posts are sagging. Covered losses are typically things like Fire, Wind, Hail, lightning etc. Homeowners Insurance does not cover normal wear. Decks are very susceptible to normal wear and tear as they are most often exposed to the elements 24/7 and require replacement quite often. Maintenance, upkeep and even frequent replacement of Decks and deck components are considered part of the home owners normal and expected maintenance routine incidental to home ownership and are not hazard losses. Best of luck.
Does homeowners insurance cover roof damage from snow?
It depends on what caused the collapse. If the deck collapsed due to a covered peril, such as fire, wind hail, etc, then yes it is covered. If the deck is just old and in need of repair or replacement then the answer is no, as this would be considered normal expected maintenance for a home owner.
What if i fell on parents steps can you sue their insurance?
Yes you can.This happend to me.My son who is 34 years old was playing on my deck with my dog and fell hurting his arm.My home owners Insurance covered his medical fees.He did not sue me for anything else. Don Sanders
How to build a covered deck myself?
There are many ways and ideas to build a covered deck yourself. You can go online and surf the web to search for ideas and guides to build the covered deck.
How and what I need to built a covered deck?
To build a covered deck, you would first need a deck plan to use. Then you would need to go to a home improvement store and purchase the lumber and supplies to build the deck.
Will my homeowner's insurance pay for sinkhole damage to my outdoor patio deck?
It could, but it depends on your insurance. You may need to look at your insurance plan and see if you specifically acknowalged sink holes. Also, if it happened over a long period of time it may not be covered.
Where do I learn how to build a covered deck?
Not many sites teach you how to build a covered deck. But the website www.finehomebuilding.com/pages/build-a-deck-video-preview does and amazon sell books that can teach you.
How do you get your aig insurance deck sheet?
how do you know if you have no fault insurance
Will homeowners policy cover deck built not to code illegal?
Doubtful. Most homeowners policies have language that exclude damage as a result of faulty workmanship or construction.
Who pays for the deck on Decked Out?
The homeowners, although the cost is probably balanced with product placements here & there.
