It\u2019s generally OK to make temporary repairs. Don\u2019t make permanent repairs until you\u2019ve talked to your insurance company. Your policy should pay for the materials and labor you used to make repairs. But take pictures of the damage before doing any work.<\/p>\n\n\n\n
My home was flooded by a sewer line that backed up. Is this covered under my homeowners insurance policy?<\/strong><\/h3>\n\n\n\nIt depends on your policy. Some policies cover water or sewage from outside your house that enters through sewers or drains.<\/p>\n\n\n\n
I put my furniture in my front yard to dry out and someone stole them. Will my homeowners pay to replace them?<\/strong><\/h3>\n\n\n\nIt depends on your policy. Most policies cover theft. But you\u2019ll have to pay your deductible.<\/p>\n\n\n\n
A storm blew my fence down. Will my homeowners pay for the repairs to my fence?<\/strong><\/h3>\n\n\n\nIf your policy provides coverage for wind, you likely have some coverage for the fence. Coverage for fences is usually limited to actual cash value. That means your company will deduct depreciation from what it pays. You\u2019ll also have to pay your deductible.<\/p>\n\n\n\n
My detached garage and storage shed were damaged. Will my policy cover these?<\/strong><\/h3>\n\n\n\nTypically, yes. Your policy will probably pay up to 10% of the amount you insured your house for. Polices might not provide coverage for other structures such as sheds or buildings used to run a business.<\/p>\n\n\n\n
Mold coverage<\/strong><\/h2>\n\n\n\nMold is growing on furniture and other belongings in my house. Will my policy pay to replace the items?<\/strong><\/h3>\n\n\n\nMost homeowner and renters policies cover sudden and accidental water damage, like a burst pipe or broken washer hose. If mold grows on a damaged item, it would be covered. Policies usually won\u2019t cover damage from gradual leaks.<\/p>\n\n\n\n
What type of water and mold damage isn\u2019t covered?<\/h3>\n\n\n\n
Most home policies don\u2019t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don\u2019t cover floods. You would need to add it to your policy or buy a separate flood policy.<\/p>\n\n\n\n
Trees that fall in your yard<\/strong><\/h2>\n\n\n\n![\"\"](\"https:\/\/dunninspectionservices.com\/wp-content\/uploads\/2023\/09\/sb10068539n001_fallentreee1399386670406-1024x492.jpg\")
<\/figure>\n\n\n\nA tree fell on my house and damaged my roof. Will my homeowners insurance pay for repairs?<\/strong><\/h3>\n\n\n\nMany policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
A tree fell in my yard. Will my homeowners policy pay for tree removal?<\/strong><\/h3>\n\n\n\nMany policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
It depends on your policy. Most policies cover theft. But you\u2019ll have to pay your deductible.<\/p>\n\n\n\n
A storm blew my fence down. Will my homeowners pay for the repairs to my fence?<\/strong><\/h3>\n\n\n\nIf your policy provides coverage for wind, you likely have some coverage for the fence. Coverage for fences is usually limited to actual cash value. That means your company will deduct depreciation from what it pays. You\u2019ll also have to pay your deductible.<\/p>\n\n\n\n
My detached garage and storage shed were damaged. Will my policy cover these?<\/strong><\/h3>\n\n\n\nTypically, yes. Your policy will probably pay up to 10% of the amount you insured your house for. Polices might not provide coverage for other structures such as sheds or buildings used to run a business.<\/p>\n\n\n\n
Mold coverage<\/strong><\/h2>\n\n\n\nMold is growing on furniture and other belongings in my house. Will my policy pay to replace the items?<\/strong><\/h3>\n\n\n\nMost homeowner and renters policies cover sudden and accidental water damage, like a burst pipe or broken washer hose. If mold grows on a damaged item, it would be covered. Policies usually won\u2019t cover damage from gradual leaks.<\/p>\n\n\n\n
What type of water and mold damage isn\u2019t covered?<\/h3>\n\n\n\n
Most home policies don\u2019t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don\u2019t cover floods. You would need to add it to your policy or buy a separate flood policy.<\/p>\n\n\n\n
Trees that fall in your yard<\/strong><\/h2>\n\n\n\n<\/figure>\n\n\n\nA tree fell on my house and damaged my roof. Will my homeowners insurance pay for repairs?<\/strong><\/h3>\n\n\n\nMany policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
A tree fell in my yard. Will my homeowners policy pay for tree removal?<\/strong><\/h3>\n\n\n\nMany policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Typically, yes. Your policy will probably pay up to 10% of the amount you insured your house for. Polices might not provide coverage for other structures such as sheds or buildings used to run a business.<\/p>\n\n\n\n
Mold coverage<\/strong><\/h2>\n\n\n\nMold is growing on furniture and other belongings in my house. Will my policy pay to replace the items?<\/strong><\/h3>\n\n\n\nMost homeowner and renters policies cover sudden and accidental water damage, like a burst pipe or broken washer hose. If mold grows on a damaged item, it would be covered. Policies usually won\u2019t cover damage from gradual leaks.<\/p>\n\n\n\n
What type of water and mold damage isn\u2019t covered?<\/h3>\n\n\n\n
Most home policies don\u2019t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don\u2019t cover floods. You would need to add it to your policy or buy a separate flood policy.<\/p>\n\n\n\n
Trees that fall in your yard<\/strong><\/h2>\n\n\n\n<\/figure>\n\n\n\nA tree fell on my house and damaged my roof. Will my homeowners insurance pay for repairs?<\/strong><\/h3>\n\n\n\nMany policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
A tree fell in my yard. Will my homeowners policy pay for tree removal?<\/strong><\/h3>\n\n\n\nMany policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Most homeowner and renters policies cover sudden and accidental water damage, like a burst pipe or broken washer hose. If mold grows on a damaged item, it would be covered. Policies usually won\u2019t cover damage from gradual leaks.<\/p>\n\n\n\n
What type of water and mold damage isn\u2019t covered?<\/h3>\n\n\n\n
Most home policies don\u2019t cover water damage from gradual leaks or seepage, and that includes damage from mold. Mold from a flood would not be covered because home policies don\u2019t cover floods. You would need to add it to your policy or buy a separate flood policy.<\/p>\n\n\n\n
Trees that fall in your yard<\/strong><\/h2>\n\n\n\n<\/figure>\n\n\n\nA tree fell on my house and damaged my roof. Will my homeowners insurance pay for repairs?<\/strong><\/h3>\n\n\n\nMany policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
A tree fell in my yard. Will my homeowners policy pay for tree removal?<\/strong><\/h3>\n\n\n\nMany policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
<\/figure>\n\n\n\nA tree fell on my house and damaged my roof. Will my homeowners insurance pay for repairs?<\/strong><\/h3>\n\n\n\nMany policies pay for damages from falling objects, like trees. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
A tree fell in my yard. Will my homeowners policy pay for tree removal?<\/strong><\/h3>\n\n\n\nMany policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Many policies provide some coverage to remove trees or limbs that fell due to storm damage and damage your house or block your driveway. Trees and limbs falling in your yard usually aren\u2019t covered. Call your agent or company to ask if your policy will pay.<\/p>\n\n\n\n
My neighbor’s tree fell on my house. Will my neighbor\u00b4s homeowners policy pay for the damage and tree removal?<\/strong><\/h3>\n\n\n\nProbably not, unless your neighbor was at fault. Your neighbor isn\u2019t responsible for acts of nature. If your neighbor’s policy doesn\u2019t pay, you can file a claim under your own policy. <\/p>\n\n\n\n
A tree fell on my car. Will my auto insurance pay for the damage to my car? <\/strong><\/h3>\n\n\n\nYour auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Your auto policy will pay for damages if you have comprehensive coverage.<\/p>\n\n\n\n
If the tree was your neighbor\u2019s, their homeowners insurance might pay if your neighbor is somehow at fault. If not, their policy likely won\u2019t pay because your neighbor isn\u2019t responsible for an act of nature.<\/p>\n\n\n\n
Staying in a hotel, food spoilage<\/strong><\/h2>\n\n\n\nI need to stay in a hotel because my house was damaged. Will my policy pay for the hotel?<\/strong><\/h3>\n\n\n\nIf you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
If you can’t stay in your home because of damage covered by your policy, your homeowners or renters policy may pay for a hotel or rental. Check your policy for limits on the coverage. Call your agent or company if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
We have no power or water in our house. Will my policy pay for a hotel until utilities are restored?<\/strong><\/h3>\n\n\n\nProbably not. Policies usually only pay for hotels if your house was damaged by an event your policy covers. That probably wouldn\u2019t include a power outage. Call your agent if you\u2019re staying in a hotel because you can\u2019t stay home.<\/p>\n\n\n\n
The food in my refrigerator spoiled when the power was out. Will my homeowners insurance policy pay to replace my food?<\/strong><\/h3>\n\n\n\nMost homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
Most homeowners and renters policies will pay up to $500 or more for spoiled food if the power fails under certain circumstances. Often, there is not a deductible. Take pictures or keep a list of the food that spoiled.<\/p>\n\n\n\n
Claim payments<\/strong><\/h2>\n\n\n\nI have replacement cost coverage on my house. So why am I only getting a check for actual cash value?<\/strong><\/h3>\n\n\n\nThe first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\nWill my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\nIf you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\nThe mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\nTalk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n
The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\nI have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\nYes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n
Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\nReturn To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"
The first check your company will send you will likely be for the actual cash value. Once you\u2019ve started repairs and show proof to your company, they\u2019ll send you the remainder to equal the replacement cost.<\/p>\n\n\n\n
Learn more: Home policies: Replacement cost or actual cash value?<\/a><\/p>\n\n\n\n If you have a loan on your house, the company will usually send the check to your mortgage company. You\u2019ll then have to work with the mortgage company to get the money released for repairs.<\/p>\n\n\n\n The mortgage company must get in touch with you within 10 days of getting the check from your insurance company. Once you\u2019ve met the mortgage company\u2019s requirements, it has 10 days to send you the check. You might be eligible to interest if the mortgage company takes more than 10 days.<\/p>\n\n\n\n Talk to your company before you sign the check. Some companies consider your claim final and settled if you sign the check.<\/p>\n\n\n\n The check might also only be a partial payment to help you start repairs. The company will then send more money when you give them proof that you\u2019re repairing your house. Ask your company if this is the case.<\/p>\n\n\n\n Yes, go ahead and apply. If you have insurance of any kind (homeowners, wind, flood), you must use it first. If there is something your insurance doesn\u2019t cover, including temporary housing, FEMA might be able to help.<\/p>\n\n\n\n Why Get an Inspection if You are Buying “As Is”?<\/a><\/p>\n\n\n\n Return To Home Page<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"Will my homeowners insurance company send the claim check straight to me?<\/strong><\/h3>\n\n\n\n
When will I get the check if it was sent to the mortgage company first?<\/strong><\/h3>\n\n\n\n
I\u2019m not happy with the amount of the check my insurance company sent me. I plan to ask for more. Should I cash the check?<\/strong><\/h3>\n\n\n\n
Help from FEMA<\/h2>\n\n\n\n
I have homeowners insurance. Should I apply for FEMA aid?<\/strong><\/h3>\n\n\n\n