Author: Sayan Dutta

No, home insurance typically does not cover tree root damage. Homeowner’s insurance typically doesn’t cover tree root damage. This is because tree roots grow and move slowly over time, which doesn’t fit the description of a sudden, unavoidable, or unpredictable loss. Homeowners insurance generally covers sudden losses and repairs that are sudden and accidental. Tree roots are not a covered repair with standard policies. Home Insurance Coverage for Tree Root Damage While direct tree root damage isn’t typically covered, other coverages might apply depending on the specific situation: Dwelling coverage: If tree roots crack your foundation or cause structural issues,…

No, most standard home insurance policies do not explicitly cover garden walls for general wear and tear or gradual deterioration. However, they may provide coverage for specific events that damage your walls, depending on the policy and the cause of the damage. Coverage for Landscaping and Garden Features Garden walls are not the only features in your garden that may be covered by your house insurance. Depending on your policy, you may also have coverage for other landscaping and garden features, such as: Fallen trees: If a tree falls on your garden wall and damages it, your house insurance may…

Dry rot is not usually covered by standard home insurance policies. However, there are some exceptions, such as if the rot is caused by a specific incident, like a leak, that’s covered by the policy. Homeowner’s insurance companies consider dry rot to be a preventable issue because it’s generally caused by humidity and poor ventilation. Homeowners insurance doesn’t cover maintenance issues. Epoxy resin can be used to fix small spots of rot. This can be done if the wood is still physically sound and the source of the water has been shut off. A fungicide called borate can then be…

Home insurance typically does not cover blocked drains as they are considered a result of general maintenance rather than sudden accidental damage. Homeowners are usually responsible for drains within their property boundaries, while the sewerage company is responsible for lateral drains outside these boundaries and sewers. Adding coverage for sewage backup may offer protection against related damages. It’s crucial to understand the specific terms of your policy and consider additional coverage if necessary. How to Prevent Blocked Drains and Plumbing Issues? Regular maintenance: You should check your pipes and drains regularly for any signs of wear and tear, such as…

Homeowners insurance generally covers mobile phones for scenarios similar to other personal property. However, it’s advisable to check the specifics of your policy, and if your phone is highly valuable, consider additional coverage for its full replacement cost. Home contents insurance may already include coverage for your phone, but limitations may prompt you to upgrade your policy for adequate protection. Specific mention of high-risk items like mobile phones on your policy ensures appropriate coverage under the ‘Specified extras’ category. If your phone requires repair or replacement due to a covered event, the insurance company covers the costs after you pay…

Yes, house insurance can cover electrical faults, depending on the type and cause of the damage. Electrical faults are defects or malfunctions in the electrical system of a house that can result in fires, shocks, or power outages. House insurance can cover the damages caused by electrical faults to the house structure, personal property, and liability claims. However, there are some limitations and exclusions that may apply, depending on the policy terms and conditions. Coverage for Electrical Faults Definition of Electrical Faults Electrical faults are problems in the electrical system of a house that can affect its safety and functionality.…

Yes, house insurance may cover boiler replacement in some cases, depending on the type and extent of the damage, the cause of the breakdown, and the terms of your policy. However, not all house insurance policies include boiler cover, and there may be some exclusions or limitations that apply. Therefore, it is important to check your policy documents carefully and contact your insurance provider if you have any questions or doubts. Filing an Insurance Claim for Boiler Replacement If your boiler breaks down and you want to make a claim on your house insurance, you will need to follow the…

If your house burns down, your homeowner’s insurance can offer a range of coverage to help you rebuild your life and replace what’s been lost. Here’s what you can expect: Dwelling Coverage: This covers the cost of repairing or rebuilding your damaged home. The amount you receive depends on the policy limit, which should be based on the estimated rebuilding cost of your home. It’s crucial to have an accurate and updated policy to avoid underinsurance. Personal Property Coverage: This covers the cost of replacing your belongings that were destroyed or damaged in the fire, such as furniture, appliances, electronics,…

Most Home Insurance policies don’t cover damp issues. This is because damp problems are considered maintenance problems and gradual deterioration. However, some insurance providers may offer separate coverage for growing damp. Understanding Damp What is Damp? Damp is the presence of excess moisture in a building, either on the surface or within the walls, floors, or ceilings. Damp can be caused by various factors, such as leaking pipes, faulty roofs, poor ventilation, or rising groundwater. Damp can lead to various problems, such as mold growth, rotting wood, peeling wallpaper, stained plaster, or musty smells. Types of Damp Three main types…

Pets are part of the family, but they can also cause damage to your house. Whether it’s chewing on furniture, scratching the walls, or urinating on the carpet, pet damage can be costly and frustrating to deal with. Generally, standard homeowners insurance policies do not cover pet damage to your own property. This means if your dog chews on your furniture, scratches your door, or digs up your lawn, your insurance won’t likely pay for repairs. Do you need to report pet damage to your house insurance company? Yes, you need to report any pet damage to your house insurance…