John goes on vacation for 1 week and when he returns he finds that his master bathroom has had a busted pipe and has flooded the entire upstairs and come through the ceiling into the kitchen and has made the kitchen not usable. Chooses which answer best describes what is covered.
Alice came home to find her air conditioning unit was not working. It leaked and damaged the closet floor that the air conditioning unit stays in. It is 13 years old. She called the company that installed it and they said it is going to cost two thousand dollars to fix it. A new unit costs six thousand dollars. They told her the unit was old and needed some parts. Nothing damaged it, just an old air conditioning unit. She filed a claim with her homeowners insurance for this loss. What is covered?
Jake comes home and his wife tells him that there is a water spot in the kid’s bedroom. Jake looks at it, and it is yellow and soft to the touch. This is a fresh spot. The leak has damaged the carpet, the bedding, toys, the ceiling, and the walls. After the inspection, the field adjuster says that the water is coming into the home because the flashing around the chimney is missing, and there is a gap between the brick chimney and the shingles on the roof. What is covered?
A contractor comes out to the home and climbs the roof. The roof is 10 years old. He tells the homeowner that they have hail damage to the entire roof. He says that the entire roof needs to be replaced. The insurance company send out a field adjuster and they verify that the roof is damaged, but only 1 side of the roof has hail damage. The rest of the roof is fine. What will be covered?
The insureds come home from a nice 3 week trip and they come home to mold growing in the master bathroom. They file a claim for all the mold growing on the walls, the shower, and the closets. The field adjuster comes and determines that nothing is causing the mold, except there are high moisture reading coming from the master bathroom area. A leak detection specialist comes out and determines there are no water leaks in the home or under the home. What is covered?
A windstorm takes down several trees in your yard and they are all fallen onto the ground. They have caused the ground to be damaged as well. What is covered?
You live in Florida and your insurance policy starts on 1/1/2023. A hurricane hits your home on 5/1/23 and another hurricane hits your home on 9/1/23. Your hurricane deductible is $10,000. Do you have to pay your full deductible each time during that year?
Appraisal is one of the methods that you have if you are not satisfied with the amount of money you have been given by the insurance company. If the insured ask the insurance company for an appraisal, does the insurance company have to agree to this?
