Do they pay to repair the damage and the possible cause of the damage? Example: A window leaks due to poor installation or poor maintenance. Is the insurance company liable to repair the window and the damage it caused or just the damage?
2006-11-08 05:55:40 · 4 answers · asked by Anonymous in Business & Finance ➔ Insurance
i work for a major insurer so think i can help...... poor workmanship is not covered.. its an exclusion on your policy.... its up to your insurers and the cover you have provided if they decide to cover the internal damage :-) If you have accidental damage cover on your policy, they usually will.. If the windows have been poorly installed... you should be looking to the window company to deal with both the windows and the resultant damage that the event has caused
Maintenance issues are also a no no.... it is your responsiblity to make sure that your property is kept in reasonable condition.... if you think about it... if insurers covered maintenance issues... everyone would be ringing them to get their houses re-decorated etc..... thats not what insurance is for...... its for protection against unforeseen events... if you need more advice,,, drop me an e-mail
2006-11-08 06:01:24 · answer #1 · answered by Shellie 3 · 0⤊ 0⤋
Hi, my name is Eunice Saunders and I am a licensed Insurance Agent. First negligence is not covered on a homeowners policy, it is excluded. Second if you turn in a claim and your company does not pay....you still have a claim against your claim record...too many claims (paid or un-paid) will cause them to cancel you and you may have to go to a surplus lines which will be very high. Keeping your home in tip top shape is a good idea at all times and will keep you from having problems such as this. If you have damage such as this fix it fast so that you will not have further damage. Homeowners insurance is to help you out in time of MAJOR loss...I personally would never turn in a claim for less than $2,000 dollars....also I carry a high deductible which makes the premium lower. Good Luck! Eunice
2006-11-08 11:52:48 · answer #2 · answered by Eunice Melinda Saunders 2 · 0⤊ 0⤋
Oh, they don't pay to repair the CAUSE of the damage, most of the time!! That's called maintenance. And poor installation is ALSO not covered. AND, if you don't correct the cause of the problem, they can cancel your policy.
Actually, if the problem is from ongoing lack of maintenance, it's "expected damage", and they can in a lot of cases exclude the resulting damage from coverage, also.
2006-11-08 07:26:16 · answer #3 · answered by Anonymous 7 · 1⤊ 0⤋
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RE :Home Insurance: When a insurance company pays on a home owners claim.?
Do they pay to repair the damage and the possible cause of the damage? Example: A window leaks due to poor installation or poor maintenance. Is the insurance company liable to repair the window and the damage it caused or just the damage?
Follow 5 answers
2017-03-17 17:59:53 · answer #4 · answered by ? 6 · 0⤊ 0⤋
No, you have to fix the window. They will pay for the damages that licking did.
2006-11-08 05:58:29 · answer #5 · answered by Michael R 4 · 0⤊ 0⤋