Author: Sayan Dutta

Subsidence is a serious problem that can affect your home and its value. It occurs when the ground beneath your house sinks or shifts, causing cracks, tilts, and structural damage. Subsidence can be caused by various factors, such as weather, mining, tree roots, or poor construction. In this article, we will explain what subsidence is, how it differs from other types of damage, whether your house insurance covers it, and how to avoid it. Understanding Subsidence Definition Subsidence is the gradual sinking or vertical collapse of the ground’s surface beneath a structure. It can affect any part of your house,…

Coverage C in homeowners insurance is the part of your policy that covers your personal property, such as furniture, appliances, clothing, and electronics, in case of damage or theft. Coverage C can help you replace or repair your belongings if they are destroyed by a covered peril, such as fire, windstorm, vandalism, or burglary. However, coverage C also has some limitations and exclusions that you should be aware of before filing a claim. Understanding Coverage C in Homeowners Insurance Definition of Coverage C Coverage C is also known as personal property coverage or contents coverage. It is one of the…

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: Steps to Take When Filing an Insurance Claim If you suspect tree…

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: Understanding Exclusions for Earth Movement and Erosion One of the most common exclusions for garden walls is…

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? Do you need to pay an excess fee if your house insurance covers blocked drains? An excess fee is…

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,…