Wiki User
∙ 13y agomold cannot be caused by insulation - likely location of insulation and cause of moisture will need to be determined for coverage analysis - contact your agent
Wiki User
∙ 13y agoYup.
Yes, Homeowners insurance typically does provide coverage for losses that result from an accidental fire.
Homeowners insurance covers what is inside the home. Check your auto insurance for auto damages.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
Typically, standard homeowners insurance policies do not cover damage to a foundation caused by earthquakes. You would need to purchase a separate earthquake insurance policy or rider to have coverage for this type of damage.
Depends on your policy! Check with your agent. Mine covers removal of guano, repair of damage caused by bats, but NOT the removal of the bats themselves. Subject, of course, to normal deductible. Fortunately, my bat exclusion estimate breaks that stuff out already so it helps for me.
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.
Yes, but you would have to pay what your homeowners deductible.
Accidental, Yes. Intentional, No
Homeowners insurance covers many things, but not faulty construction or damage caused by deferred maintenance. You will have to check with your insurance company to see if the problem and its cause are covered.
Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.
No. Movement of earth is specifically excluded by homeowners insurance. This is the fault of the builder for not compacting the earth properly and providing the proper foundation. Home insurance was not made to cover such.