This depends on your insurance company. The bat exlusionists who visited my home said that some companies will cover it, no questions asked. Other companies classify it as "vermin" and won't cover it at all. You could try to say you have toxoplasmosis mold in your attic and say it's mold removal to get the cleanup paid for.
No, Homeowners Insurance is Hazard Insurance it does not cover the costs of asthetics. That's landscaping or Lawn Maintenance.
No. This is not what homeowners insurance is designed to do. This is not a covered cause. Homeowners insurance covers more than any other kind of insurance especially with the premium as low as it is.
Homeowners Maintenance ResponsibilitiesActually, If you know the tree is a Hazard, You should have it removed. This is a maintenance issue, Not an insurance issue.The best way to "lose" your homeowners insurance policy is to use it as a home and property maintenance plan.
Yup.
No, Homeowners insurance does not provide coverage for Landscaping or lawn maintenance nor for land or tree maintenance.
You'll need t check your insurance policy language to be sure, but most homeowners insurance polices in the U.S. these days do not provide coverage for asbestos abatement or related claims arising from asbestos.
Whether home owners' insurance covers tree removal depends on the particular policy you have. Many policies, but not all, will cover removal of a tree that has fallen on a house. However, a tree fallen across a driveway may be a different matter. Read your policy and talk to you insurance agent or representative.
Contact your insurance Company and ask them. Most homeowners insurance policies will only cover the cost of tree removal if the tree fell on the house, otherwise if the tree fall did not damage you insured property improvements, then it's just the homeowners own responsibility to remove debris after the occasional storm.
If you have a normal HO-3 then there is coverall up to 20% of coverage A for debris removal.
No. Damage from insects would not be covered on a homeowners policy.
Yes it is covered. If it can be proven that the neighbor was negligent in not removing dead trees that they knew were dead or should have known. In this case the neighbors homeowners insurance would pay for removal under their liability coverage. In most cases each company would pay for the trees on their property.
Since the mid 1990's, All homeowners policies exclude coverage for mold, mildew and fungus. This is generally considered a maintenance issue or lack thereof unless the mold is resultant of a loss caused by a covered peril. Some companies do offer a mold coverage endorsement for an additional premium payment that can be added to the Homeowners insurance policy.