Author: Sayan Dutta

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…

No, standard house insurance policies typically do not cover earthquake damage. Earthquakes are considered separate perils, and specific coverage needs to be added to your policy for protection against them. This means that while your house insurance might cover you for events like fire, theft, or windstorms, it won’t automatically cover the cracks, fallen walls, or foundation damage caused by an earthquake. Do you need a separate policy for earthquake damage or is it included in your house insurance? While earthquake damage is not typically included in standard home insurance policies, you can obtain coverage for such events by purchasing…

No, house insurance does not cover rodent damage in most cases. Rodents, such as rats, mice, squirrels, and chipmunks, can cause significant damage to your home and belongings. They can chew through wires, pipes, insulation, wood, furniture, and clothing. They can also contaminate your food and water sources, and spread diseases and parasites. However, most standard house insurance policies exclude rodent damage from their coverage, meaning that you will have to pay for the repairs and replacements out of your own pocket. What is Rodent Damage? Rodent damage is any harm caused by rodents to your property or health. Rodents…

Yes, house insurance or homeowners insurance can cover lost jewelry, but only up to a certain limit and under specific circumstances. If you have valuable or sentimental jewelry that you want to protect, you may need to increase your coverage or buy a separate policy. In this article, we will explain how homeowners insurance covers jewelry, how to increase your coverage, and what to do if you need to file a claim. Understanding Homeowners Insurance Coverage for Jewelry Homeowners insurance typically covers your personal property, including your jewelry, from certain perils or risks, such as fire, theft, vandalism, or storm…

Yes, homeowners insurance typically covers wind damage. Most standard policies include protection against high winds, including damage caused by storms, tornadoes, and hurricanes, to your home’s structure and belongings. However, understanding the specifics of your coverage and limitations is crucial. Types of Storm Damage Covered by Homeowners Insurance Homeowners insurance generally covers various types of storm damage beyond wind, providing comprehensive protection for your property. How Homeowners Insurance Covers Wind Damage? Let’s delve deeper into how your insurance handles wind damage specifically. Tips for Protecting Your Property and Filing an Insurance Claim Preventative measures can minimize wind damage and potential…

No, standard house insurance does not cover sinkholes. Sinkholes are natural phenomena that occur when the ground collapses due to erosion, water drainage, or other factors. They can cause severe damage to your property and pose a risk to your safety. If you live in an area where sinkholes are common, you may need to purchase a separate sinkhole insurance policy to protect your home. Understanding Sinkholes Definition A sinkhole is a depression or hole in the ground that forms when the surface layer collapses into an underlying void. Sinkholes can vary in size, shape, and depth. Some are small…

Yes, house insurance typically covers damage caused by many natural disasters. However, it’s important to understand what types of disasters are covered and the specific limitations associated with each coverage. What Disasters Are Typically Covered by Homeowners Insurance? Here are some of the most common natural disasters that are typically covered by homeowners insurance: What Disasters Are NOT Covered by Homeowners Insurance? While homeowners insurance covers many natural disasters, there are some important exceptions. Here are some of the most common natural disasters that are not typically covered by homeowners insurance: Assessing and Managing Your Coverage Before and After a…

Yes, but with limitations. Home insurance policies typically cover mold damage only if it results from a covered peril, such as sudden and accidental water damage from a burst pipe or a roof leak. However, many factors can determine whether your insurance covers mold damage, and exclusions apply in several situations. Understanding Mold Coverage in Home Insurance Covered Perils Causing Mold: Exclusions to Mold Coverage: Filing a Home Insurance Claim for Mold If you suspect mold damage in your home, follow these steps to file a claim: Alternatives for Mold Coverage If your standard homeowner’s insurance doesn’t cover mold damage,…

Yes, homeowners insurance typically covers tree damage, but with limitations. This means your insurance policy may help pay for repairs if a tree falls on your house or other covered structures, such as a garage or shed. However, there are certain situations where coverage might be limited or excluded altogether. Here’s a breakdown of what is generally covered and not covered by homeowners insurance for tree damage: What Situations are Covered by Home Insurance for Tree Damage? Fallen Trees Damaging Insured Structures If a healthy tree falls on your house, garage, fence, or other insured structure due to a covered…