beg your family, friends, and neighbors.
It is not meant to be a maintenance policy of the home. If your electrical is broken from wear and tear then it usually wouldn't be covered. If there is a random occurrence and it causes other damage then there may be coverages afforded.
Additional damage can occur unless the house is undeniably completely lost.
No, it won't pay your mortgage note or your equity line note, but your homeowners insurance will pay to repair the fire damage to your home.
i assume by non-financial risks, you mean business risks. Business risks refer to the kind of risks that could damage the performance of the business (IE, change of management, decreasing customer base, etc)
Probably. I assume you mean a payment for a claim for damage. You need to contact your second mortgagee and confer with them about this issue. The reason for putting the mortgagee on the check is to be sure that the repairs are done in order to protect them by keeping the collateral in good repair.
A lot. Are you asking what parts of the building are protected? Or are you asking what types of damage are covered? We can't help without a more specific question.
At?
No. Damage from insects would not be covered on a homeowners policy.
Damage must be due to a covered cause for the damage to be claimed on your homeowners insurance. I cannot think of any way damage to a sewer could be from a covered cause.
Sure, as long as the damage was from a covered cause. The key to homeowners insurance is that the damage is due to a covered cause. If you a re searching to see if your insurance will pay for replacing the pipe because of lack of maintenance, no it will not. Maintenance is not covered on a homeowners policy.
They would pay for it only if it has been added to the policy (or if it was part of the home when insured) AND only if the damage was caused by some unforseen circumstance. IT probably would not be covered for a structural failure, an earthquake, etc. But if a bulldozer fell into it , that may be covered.
Yes a furnace is covered property under a homeowners insurance policy. However, the key to whether the policy will pay for damage is the cause of the damage. This is always the key to coverage.
Yes. As long as the damage was done by a "covered cause" coverage will be afforded and the damage will be fixed. Windstorm is a basic covered cause.
It depends on the cause of the damage. It has to be due to a covered cause on your homeowners policy. If it is due to maintenance then it is not covered.
no
damage by birds, animals, vermin, insects are generally not covered but check with your agent or insurer to be sure
Carpet DamageYes, if it was damaged due to a covered peril under your policy it will be covered.