All policies are not the same. You will need to contact your insurer or your agent to determine the scope of coverage you purchased.
It depends on the insurance policy. You can always call your insurance agent and ask him or her to clarify your coverage. Just FYI - when it is covered, you are usually supposed to contact your insurance company ASAP when you discover the damage in order to start the claims process.
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.
It depends on the covered perils listed in your policy. If your policy covers lightning damage and your computer was damaged from a lightning strike, it would be covered. Just keep in mind the amount of damage needs to exceed your deductible in order for the insurance company to issue a payment.
In order for a homeowners policy to cover a situation, the damage must be from a covered cause. I cannot think of any situation where a covered cause could damage a septic tank. Septic tanks and drain fields are usually damaged by tree and vegatation roots, pressure due to vehicles running over them, and lack of maintenance. None of these are covered causes.
Most every Insurance policy in the United states now specifically exclude mold or damage resulting from mold. In order to get mold coverage you have to request that coverage be added to your policy if your Insurer offers it and pay the additional premium for it.
Homeowners insurance does not cover dirt bikes. There is dirt bike coverage that can be purchased. Dirt bikes are not required to be licensed in order to use them. Make sure that your dirt bike coverage stipulates that it is covered upon theft because not all policies include theft.
It depends on your specific policy. In order to find out if your policy covers an injury caused by a guest, please contact the company that your policy is with.
You would have to ask for a rider in order for it to provide coverage. That of course would cost more and you may not be eligable for it. Call and talk to your agent.
If you have this amount of tools you are most likely using them in a business and in this case you will need a commercial policy in order to cover the property.
No. Any loss must be due to a covered cause in order to collect on a claim. Loosing something is not a covered cause. Sorry.
What is bad? Insurance coverage is based on cause or reason. In order to properly answer the question one would need to know why the slab is bad. Why? If a big rig truck ran off the road and into the side of the house and damaged the slab this would be a covered claim. Your homeowners insurance covers claims where a vehicle strikes the house. Did ground water flooding damage the slab? If so you would need flood insurance. No homeowners covers flood. Flood is flood and is insurance offered by FEMA. You don't get flood coverage under homeowners policies. Is the slab bad because the work done to build it was poor? There is no coverage to repair the slab but if the slab being bad caused ensuing damage there may be coverage for ensuing damage. Has the slab just started cracking because no expansion joints were put in the concrete? This is really not a sudden an accidental event. In fact it is normal and thus not something homeowners insurance covers. Need to know why slab is bad to get you a better answer. Tried to answer giving a few different options.
No, Utility Poles and other conveyances of this type are not the responsibility of the home owner. You should contact your local Utility provider. They will order a repair the pole situation at no cost to the homeowner.