Archive for the 'Maintenance & Repairs' Category

Why does my home owners insurance want me to replace my garage roof?

Friday, February 19th, 2010

chase asked: When I bought my house I received a letter stating I had to replace my garage roof within a year. It is older, but doesn’t leak or anything- What do they care?Caridad Szoka

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Home owners insurance cover property damage caused by a lawnmower?

Saturday, February 13th, 2010

kathy h asked: cutting grass a rock flew out from under the lawn mower knocking three small holes in the siding of my house. i just need to replace three strips of siding so bees and other bugs don’t nest inside the siding causing a larger problem.Beau Bugler

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does home owners insurance cover water damage?

Wednesday, February 3rd, 2010

djfinger2002 asked: My toilet water valve broke and leaked throughout the floor.
I had a friend come over and check out the damage and he said that the floor needs to be replaced becuase it is about to fall through. The water soaked through the floor and damaged the downstairs apartments ceilings. Their ceiling [...]

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Does anyone know if soot damage is covered by home owners insurance?

Monday, January 11th, 2010

llhanson14 asked: I have soot damage all over my home. I don’t know if I should turn it in to my home owners.
My soot damage is from burning to many candles in my home.This soot problem has occur over the past 4 months. Please let me know if anyone out there has had this problem.Emmett [...]

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Anyone know anything about sewer/drain backup systems and home owners insurance?

Saturday, November 28th, 2009

Kim asked: I just bought a house and my insurance agent told me to make sure and find out if the house has a sewer/drain backup system. Such as a sump pump. And if it doesnt then I think I’m “supposed” to get some extra “thing” on my home owners insurance to cover that. Anyone [...]

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Should insurers offer home insurance rates scaled for tornado resistance?

Sunday, November 8th, 2009

Nunitak asked: E.g., big discount for homes like these: see http://360.yahoo.com/ki_te_moana (in hurricane areas also). Would not this mitigate costs of disaster relief and save lives? Lower insurance costs?Burt Mccarn

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Does home insurance cover when you rent out the house and the tenant causes a house fire?

Tuesday, July 14th, 2009

janey asked: Does home insurance cover when I rent out the house and the tenant causes a house fire (assuming the house completely burnt down)? If not, do I need to buy landlord’s insurance or ask the tenant to buy renter’s insurance? Where can i compare home insures? ThanksCletus Duty

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Home inspection and home insurance?

Thursday, June 25th, 2009

paula r asked: I am thinking about switching to another home insurance company. This company not only charges the annual fee, but every time we ask for a technician, we have to pay $45. This insurance was left from the previous owner. Being a first time buyer, we didn’t know better so [...]

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Is there any home insurance that covers a new home while knob and tube is being replaced?

Wednesday, May 27th, 2009

doahw asked: We are willing to have the electrics updated within the first few weeks of ownership.Leonel Ullrich

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If a support beam on my house cracks from the weight of the roof, is this covered by standard home insurance?

Monday, May 25th, 2009

lizzy1000 asked: My support beam cracked and a structural engineer has decided that the beam was inadequate to support the weight of the tile roof. It is unknown if the tile roof is original (40 years old) or if it has been replaced sometime in the past (no permit was on file). Is [...]

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