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What caused the soot damage? All homeowners policies determine factors based on the cause of the damage. This has to be determined first. If the soot is from you using the fireplace over time without closing the flue and it happened over the years to where it is now noticeable, there is not coverage for such. If you had a fire that was covered under the policy, then it would be covered and removed.
The presence of soot is usually considered a maintenance condition rather than a type of damage, Wood burning fire places commonly produce soot as a natural byproduct. Regular chimney and fire place servicing is a normal expected part of maintenance for home with natural wood burning fire places.
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Could you claim on your car insurance if your car burnt your home down?
Sure, you can make a claim for the damage done to the car if you have physical damage coverage. As for the home, only your home insurance will pay for the damage to the house. The house insurance will not pay for a car and an auto policy will not pay for a house. Even if the same incident gets both.
Does home insurance pay for home equity line of credit when you have a house fire?
No, it won't pay your mortgage note or your equity line note, but your homeowners insurance will pay to repair the fire damage to your home.
Does homeowners insurance cover your mortgage if you are laid off?
No. This is not what homeowners insurance is for. Homeowners insurance is to pay for physical damage to your home and contents.
Does home insurance cover damage caused by raccoon's to boat interior that is stored at home?
No, you will need to look to your boat insurance to pay for damages to a boat.
Are electrical faults covered in home insurance?
depends what you mean, insurance will pay for a fire from an faulty electrical system, the insurance company will not pay for the faulty product itself only the resulting damage.
If your dog is hit by a car does your home insurance cover the damage do to the car?
No, it does not. That is why there are different policies called "home insurance" and "vehicle insurance".(The answer above is not entirely true. The homeowner insurance "liability portion" may pay for the vehicle damage as long as there is not an animal liability exclusion)
What do you pay before you insurance begins payinh?
It depends on your insurance company, and what kind of insurance you are talking about. Car insurance, you pay deductible if you are at fault and they'll cover the rest of the repairs. If someone else is at fault, that driver will usually pay everything with their insurance. Home insurance, you pay for repairs that are not covered (ie plumber, appliance repair). However, your insurance will pay for any damage that was caused to the actual structure of your home. Say you have a leaky pipe, you pay the plumber, but they'll come in and cover all the damage the leak did. Same for an appliance like a washing machine or a dishwasher/fridge. If those leak and damage your floor or cabinets, you pay to repair it but insurance may cover the damage that was done. Most people have a deductible that you still have to pay but beyond that, they'll pay the rest. Hope that answers your question. ^_^
Will your homeowner's insurance pay medical expenses if you are injured in a fall in your home?
No, that would be medical insurance. Homeowner's insurance covers things like burglaries and damage to the home. * Homeowner's insurance will pay for injuries to other persons that occur on the owner's property when they find the claim justified.
Will my homeowners insurance pay for damage due to water leaks?
In most instances it seems not. When getting home insurance make sure to specify you want water damage insurance as well and GET IT IN WRITING BEFORE YOU AGREE TO THE POLICY!
Is it worth it to get a home insurance policy?
Yes one should always a home insurance policy. They protect one in case of burglary, accidental damage or natural disasters such as floods and hurricane damage. Without insurance one could have to pay thousands of dollars for potential repairs.
Does homeowners insurance cover attic restoration?
Certainly not. Homeowner's insurance does not pay for renovation to any part of your home unless it was damaged and the damage was due to a covered cause. And, in the case of damage, the insurance will strive to replace, not improve the situation.
In a collision an uninsured motorist was at fault who pays for the damage insurance or uninsured motorist?
The insurance will pay for your damage if you have insurance from underinsured motorists. Otherwise, the motorist will pay for it who doesn't have insurance if they have any money.
