Yes, That's why you always make sure your contractors are insured before you hire them.
The contractor should always carry General liability insurance to cover the cost of accidental damage to a property they perform work on. Most General Liability Insurance policies will also have coverage for completed products and operations as well.
Yes
Endorse the check & send it to your Mortgage company. They will decide how much you get from it.
no. you are being reimbursed for your loss.
Every state has different statute of limitations on crimes such as filing a fraudulent claim. Contact an attorney or check out your state's statutes to determine the SOL.
Yes. If you filed a claim a "PILR" and/or "CIB" check would alert the insurer of any and all prior claims made.
No, an HOA management company typically does not pay for any losses in a homeowner's insurance claim. Homeowners insurance is a separate policy that homeowners are responsible for purchasing and maintaining. The HOA management company is responsible for managing the common areas and implementing the HOA rules, but they do not cover individual homeowner's insurance claims.
The contractor should make a claim upon the sub-contractors insurance and/or bond. If the sub-contractor defrauded the contractor on having insurance and/or bonding in place then he should report the contractor to the State licensing board, file claim on their insurance, and civil lawsuit (if the insurance company does not directly file or pay).
A claim is a liability on part of the insurance company. If a customer makes a claim it means that the insurance company has to pay the customer for the amount is eligible to claim and hence it is a expenditure on the balance sheets of the insurance company.
If i go out of town and live the water running from the sink would mu homeowners cover the claim
No, that would be medical insurance. Homeowner's insurance covers things like burglaries and damage to the home. * Homeowner's insurance will pay for injuries to other persons that occur on the owner's property when they find the claim justified.
That's not very likely. The insurance company does not file your claim, they accept your claim notice from you. You have to file your claim with the company, not the other way around.
if the workers caused damaged it is a separate claim - a vast majority of policies have exclusions for fault, inadequate or defective workmanship and materials - hopefully you hired contractors with liability insurance in the event their actions are excluded by your homeowner's policy