In order to find out if your homeowners insurance is going to cover your rotted floors, you have to determine what the actual source was that caused the dry rot to begin with. The dry rot is just a byproduct of another serious issue, a leak of some sort that has been allowed to soak … Read more
Some homeowners are stunned when they find out that flooding damage that takes place in their basement is not reimbursable by their policy. Standard home insurance plans generally don’t cover against flooding. It would typically be something that you need to buy an add-on for. This is why it’s critical to cover every scenario with … Read more
With the cold of winter weather comes the threat of frozen pipes. When the water inside the pipe freezes and then expands, pressure builds and the pipes ultimately burst. It can release upwards of a few hundred gallons of water within your home in just a couple short hours. This brings with it significant damages … Read more
Homeowners insurance covers damages to your dwelling as a result of a number of perils named in your homeowners policy including things such as fire, hail, windstorm, vandals, aircraft/vehicle damage, smoke damage, and theft but water damage is not on the list. Generally, when you develop a stucco problem, it is likely water-related to being … Read more
As a general rule, standard homeowners insurance covers sudden, catastrophic water leaks, but only the damage that it causes not the plumbing. If a leak is found to be something that has been slow and gradual over a period of time, an insurance carrier could choose to deny the claim. This is the ply with … Read more
It’s important to take care of and maintain your home’s siding, but sometimes there are storms that you just can’t prepare for. That’s where homeowners insurance comes in. Homeowners insurance can cover a variety of different damages. Does it, however, cover siding? Siding is a crucial material in maintaining the looks, structure, and safety of … Read more
Water damage can happen in homes, and especially basements, for a multitude of reasons. Because there are so many possible scenarios, it can be confusing to figure out which ones homeowners insurance will cover. Be sure to know what your current homeowners policy covers and if there are any precautions or policy add-ons that you … Read more
While it’s not something people think about on a day to day, sewer lines are important in modern living. If something goes wrong and they break or spring a leak, it can disrupt the flow of your life and cost a pretty penny to fix. That then leads to the question, “Will homeowners insurance cover … Read more
If you own a home, chances are you know how costly it can be to maintain. The cost of home repairs can quickly add up. If you are thinking about purchasing a new home, or if your current address needs a facelift, you may be wondering if any repairs you make are covered through your insurance. Homeowners … Read more
The standard homeowners insurance policy covers “unattached adjacent structures” at a percentage of the dwelling limit. Unattached adjacent structures is defined as sheds, outbuildings, inground pools, detached garages. Sheds and outbuildings are covered for the same causes of loss, or perils, your home is. Exclusions of a standard homeowners insurance policy The homeowners policy is … Read more
