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Yes, homeowners insurance covers crawl space damage if the damage was caused by a covered peril. However, there are some cases when it will not be covered.
Homeowners insurance covers blown-down fences in most cases. Wind damage is covered in most areas. However, if you live in a high-risk area for tornadoes, windstorms, and hurricanes, you may need to get additional coverage in order to be protected from this sort of damage.
Your attic is covered by homeowners insurance in most cases. The attic is covered under the dwelling coverage of your home insurance policy. A typical HO-3 policy will cover attic from all risks except for the exclusions listed in the policy.
Drywall damage is covered by dwelling coverage of homeowners insurance as long as the damage was caused by a covered peril. The perils that are covered differ by location and from policy to policy.
Buying homes in need of repair can be stressful. It is important to get the right insurance policy to protect you financially while your home is being repaired or renovated.
Yes, homeowners insurance covers functional wind and hail damage to your siding, as long as wind and hail are not excluded from your policy. In most cases, cosmetic damage claims are not covered.
Wear and tear are excluded from standard homeowners insurance coverages. Homeowners is supposed to be the one responsible for maintaining the house and the property in a well-functioning order.
The ductwork in your home is connected to your HVAC system and is essential for controlling the temperature throughout your home. But, does home insurance cover your ducts if they are damaged? When you have a homeowners insurance policy, your ductwork is covered if it is damaged due to a covered peril. These perils include ... Read more
The walls in your home provide structure to the entire dwelling. If one of your walls has significant cracks you need to make sure that your home insurance policy is able to cover damages because getting these repairs done quickly is essential. As long as your walls are not cracking due to wear and tear, ... Read more
Your gutters play an important role in keeping your home safe. Even when you have home insurance, clearing out your gutters and ensuring there are no blockages is essential. Home insurance does cover damage to your gutters, as long as it is not seen as preventable damage. This is why maintaining your gutters is a ... Read more
Flood insurance is an optional insurance policy for homeowners insurance that protects you against floods in the home. Storms and burst pipes are common perils that lead to flooding on all levels of the home. This guide will look at the different coverage options you have in a burst pipe scenario. We’ll also look at ... Read more
Understanding what your homeowners insurance policy does and doesn’t cover can seem complicated, especially when evaluating what kinds of damage to the home fit an insurance company’s definition of “structural” damage. If you have a cracked bathtub you’re hoping you can make an insurance claim to repair it, unfortunately, this will most likely have to ... Read more