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No, homeowners insurance does not provide coverage nor warranty for our chosen contractors quality of workmanship. That's why we always want to verify that a contractor is insured before allowing them to start work on our home.
The first sign of a reputable contractor is that they carry the appropriate coverage for the work or services they offer.
Never hire a an un-insured contractor.
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Will homeowners insurance pay for structural damage caused by a contractor or sue the contractor on my behalf?
HO insurance policies are typically all risk and as such would cover such loss
Does homeowners cover damage caused by birds?
no
Will uninsured motorist cover damages caused if the other vehicle is stolen?
Uninsured will not cover this type of accident. Your comprehensive will cover this type of damage.
Does homeowners insurance cover stolen uninsured vehicle?
It depends, You do no mention what type of vehicle. Homeowners insurance polices will not cover damage or theft of a motor vehicle designed for use on public roads.
Does Allstate cover lightning strikes in there homeowners policy?
All homeowners policies cover damage caused by lightning.
What can you do if an uninsured driver hits your house?
File a loss notice with you Homeowners insurance Company. You should have no problem getting the damage to your home covered.
Will homeowners insurance cover a cracked foundation caused by an earthquake?
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.
Does homeowners insurance cover damage to your neighbor's property caused by construction on your property?
Actually, This is covered under your Contractors General Liability Insurance. If your contracting builder does not have insurance, you need to get rid of him, and find another contractor immediately.
Does my homeowners insurance cover damage to my property caused by tree roots from a neighbor's tree?
Yes, but you would have to pay what your homeowners deductible.
Does homeowners insurance cover used uninsured car cover by tree damage?
Sorry but no. Automobiles are specifically excluded by a homeowners policy. The only four wheel vehicle is a lawn mower used exclusively for maintenance of the property.
Does homeowners insurance covers floor damage resulting from moisture?
Depends on where the moisture is coming from. You would need an adjuster or a contractor to look at the property.
Does your homeowners cover damage due to remodeling your home?
Generally speaking no. If the contractor did damage intentionally you could file a vandalism claim but you would also need to file a police report. If the contractor was negligent, you could file a claim with their commercial liability insurer.
