Most homeowner policies would have coverage for a fire loss. However I recommend that you get an estimate first for repair of the carpet. This is because carpet is pretty cheap these days and the cost may be below your deductible. If it is cheaper than your deductible then I'd just have it fixed myself. No point in having a claim on my history if the cost is below what I would have to pay anyway. If it's much above the deductible then I'd still have it fixed and send the bill to my insurer for reimbursement.
Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.
The first thing you need to determine is what caused the damage to the heat exchanger and combustion chamber? If the damage was a result of a "puff back" (which to my knowledge only occurs with oil furnaces) or sudden and accidental water damage, then the smoke or water damage is covered. However, the damage to the furnace itself is not covered. The reason for this is that insurance doesn't want to cover appliance malfunction... which is actually understandable, considering that warranty insurance is available. I'm pretty sure that the only time appliances are replaced is when they are completely ruined due to a situation that the appliance itself did not cause (such as fire, or water leaking from the bathtub upstairs into the kitchen below).
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.
heating oil? that is considered a polluntant and generally excluded as a cause of loss
A carpet steamer can damage carpet depending on what type of carpet it is. Man-made plastic-based fibers are most likely to be damaged. In most cases, a steamer will not harm carpet. However, if you are concerned, do a test cleaning in an inconspicuous spot.
The best way to prevent carpet water damage is to call a professional. They have the tools to clean the carpet powerfully and efficiently before it is too late to do anything.
They can. If it looks like the casters may damage the carpet, you can jury-rig it with cardboard or some other fix to prevent such damage.
It can damage the tissue or make it malfunction. X rays can damage the embryo also.
Hanwha Damage Insurance was created in 1946.
Pests, Insects, fumigation and bug spraying are part of a property owners usual and expected maintenance costs. Homeowners insurance does not cover maintenance.
In most states the answer to this question is "yes". Sudden and accidental water damage is covered by most HO-3 policies (the TX equivalent to the HO-3 is the HO-B, and sometimes the HO-A+). Although the insurance company will repair the water damage, they will not cover the appliance that covered this damage. The reason the appliance is not covered is because "appliance malfunction" isn't a covered peril.
Only if the carpet sustained damage above the standard of normal-wear and tare. Fraying carpet, dirty spots, and loose carpet nails are all considered normal wear and tare and are exempt from damage claims.