Coverage depends on what caused the damage and when the damage occurred.
If a covered peril like wind or hail caused the damage to your roof and your policy was in force at the time of the occurrance, then your policy should cover the loss. It would not matter if the roof was "put on wrong" to begin with.
You should always report damage to your insurance company, even if you do not have the other party's information. Your insurance company can conduct and investigation and will still possibly pay for the damages.
Yes. Insurance covers the vehicle and the driver. You do have to be aware of insurable interest. The insurance company may not want to pay you for the damage you did to someone's car because you would gain from the other person's loss. You should really work with an insurance agent because rules are different from company to company.
See if your insurance company will help you resolve the claim. The contractor should definitely make things right.
Do not know what you mean. Did the insurance company cancel? Did you lose the card? New Hampshire and Wisconsin do not have mandatory auto insurance laws. If you have an accident any you are to blame, you still should pay the damage either out of your pocket or thru the insurance company. If you have insurance, you still have to pay for the damage, thru increased rates. I am opposed to mandatory auto insurance laws since they hurt poor people and even the insurance industry is opposed. Go to http://www.centspermilenow.org/715oppos.htm
you should go to the insurance company or they should have it on their website.
uhm you should know it ? its your insurance company ?
Most homeowners insurance companies do not provide mortgage financing. Any damage done to a home, such as hail, wind, fire, etc. should be covered by the homeowners insurance. If the roof is just "worn out" it is the homeowners responsibility This is considered normal and expected maintenance incidental to home ownership.
A business should get commercial liability insurance because it protect the company from litigation costs. Litigation cost can drain a company cash reserves in a heartbeat of cause bankruptcy.
One can procure an electrician insurance from the same company from what he has the health-insurance. One's employeer should take care about this because is about labor protection.
If someone finds that they have substantial basement water damage then the first thing to do it contact their insurance company. The person should take dated photographs of the damage to use as evidence and start listing what was in there that has got damaged in preparation for their claim.
Since it was caused by the vehicle, the vehicle insurance should cover it. Most home owners insurance companies would probably make a claim against the auto insurance company, if they covered it.
Yes, they usually ask for 2-3 quotes and you should so you can see who's the cheapest.