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When the house collapses due to termite damage: If a homeowner is unaware of a termite infestation and the termite damage causes the home to collapse completely, home insurance may pay for the ...
Most homeowners insurance does not cover animal damage, but there are exceptions for accidents such as a deer damaging a fence or a bird breaking a window. Potential animal risks depend on where ...
For example, an insurance company is not likely to cover a 40-year-old roof on a replacement cost basis, since the roof is probably in poor condition and may be more susceptible to damage. Pros ...
This process is commonly used for the treatment of drywood termites and/or bedbugs, using sulfuryl fluoride as the pesticide (sulfuryl fluoride is a naturally occurring gas, used in much higher concentration than found in the natural atmosphere, and which leaves no physical residue). The fumigated structure can be re-occupied after the tent has ...
An owner controlled insurance program (OCIP) is an insurance policy held by a property owner during the construction or renovation of a property, which is typically designed to cover virtually all liability and loss arising from the construction project (subject to the usual exclusions).
Termite sealant materials are the basic component of termite membranes described above. Sealants are elastomeric, meaning they move with the structure without tearing, and are available in a caulk or spreadable formulation. When caulked around a plumbing penetration in a structure, termite sealant barriers adhere to both the pipe and the concrete.
An 18th-century fire insurance contract. Property insurance can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses.The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan ...
Luckily, homeowners insurance helps cover a wide range of misfortunes, including some types of water damage. But it’s important to be aware of which incidents are covered under your policy and ...
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