is fencing insured under coverage b of the homeowners insurance?
153729
Yes, fencing is covered under a homeowner policy if you are looking to submit a claim for a covered loss.  Of course, you would be subject to your policy deductible, so it is advisable to obtain an estimate of repair before submitting a claim to your carrier, otherwise you will have a reported claim on your policy's history even though there was no payout involved.  Sometimes future insurance carriers look at that when underwriting a new risk.
480240
Well, hopefully there person you work for has liability\ninsurance......
403426
Still with fencing. Done correctly you are less likely to get hurt.
200907
renters or homeowners insurance.  also, get a rider for additional personal liability.
75691
My guess is that it would be just like it is here is SC.  There is no law requireing homeowners insurance.  The requirment is imposed on the owner by the lender when they finance.
546776
Your Homeowner insurance policy contains a provision that states something to the effect of in the event of a covered loss we(insurance company) have a duty to protect the mortgage company's interest.  That being said, your interest in the home is for the mortgage amount less what is owed to the bank or lender.  If you only owed $20k on your mortgage then your insurer should have issued you a check for $40k and to you and the mortgage company for $20k.  Now that the check was issued in a 2 partied form to you and the mortgage company they will require that you sign it, send it to them certified/insured so that it can be traced and they will cash the check and issue you a check from their bank most likely for a 30%-50% of the repair estimate.  Once you have 30%-50% of the covered repairs completed the mortgage company will send the next 30% or 50% and so on.  They will send an inspector out to verify that the repairs were done and done at least in accordance to the insurance company's estimate. This is legal and in fact your insurance company can be forced to pay the $60k again if they did not do this and you say, took a vacation to Brazil with the $60k.
668795
I've written this kind of insurance for a few of my customers. Never anything as big though, stuff like an archery tournament where the prize was a truck. I work at an Independent Insurance Agency so I was able to shop around for the best deal, ended up purchasing a policy from Lloyds of London who will insure just about anything. Call a local Independent Agent and tell them what you need. You'll need to have details of the promotion and be able to give some kind of evidence as to the difficulty of winning the prize. For instance, on the archery tournament I had to get info on the length of the range, the size of the target, the type of bow involved and whether it was indoors or outdoors. Lloyds came back with a couple of stipulations: no mechanical sights to be allowed and no professional archers allowed, also the winner had to hit dead center, not just in the bull's eye circle. The odds were calculated at something like 1:1,000,000 that anyone would hit dead center, especially as it was an outdoor tournament. The premium for the policy was under $1000. SOMEONE HIT DEAD CENTER and the Ins Co had to pay out!\nGood Luck!
798576
Never heard of such a thing.  Direct your question to your state department of insurance, which can be found by going to the website for the National Association of Insurance Commissioners, http://www.naic.org/  \n\nClick on "NAIC STATE AND JURISDICTIONS", links to state departments of insurance on the left hand side of the home page, about half way down.   Most states provide excellent assistance to consumers regarding questions such as yours at no cost.
477370
Yes, it's normal for insurance companies to tell you that they can not insure due to a particular condition.  There's the usual wear-and-tear that insurance do not cover.  You do want to make sure that you maintain your property and do the best you can to prevent any damage.  I don't think the insurance will reimburse you amount you spent on maintenance, but you definitely want to be adequately insured at all time by complying their recommendations.
399231
Homeowner fees typically include homeowners insurance, garbage, and all exterior maintenance. (paint, roof, landscape & all amineties like pool club house etc.)\n\nOccasionally it may cover other items as shown in CC&R's (Covenants, Conditions & Restrictions). The CC&R's should be given to you at the time your contract to purchase has been accepted so you may review all the details of the project.  You should also be supplied a copy of the most recent budget and articles of incorporation.\n\nTypically the CC&R's limit the amount the HOA dues may increase on a regualar basis (most are annual but may vary from project to project)\n\nAnother thing to consider is a possible "special assessment".  This can be for some type of major improvment to the project.  For example my condo project voted to put a security gate at the front of the entrance.  The association took a vote it passed.  Thus we all had to pay the additional pro-rated charge. (very untimely I might add).\n\nIf you have not already purchased the condo I encourage you to review the pro's and con's of a condo vs. a single family residence.\n\nFor more thoughts about the pro's and con's you can see a question I answered on 4/6/06. (now resolved)
1072842
Building department in your county would have that answer.  They vary...but just by the fly it would stand to reason if your neighbor put up a fence then you could set a post right next to his..it's on your property and I don't think there is any setback concerning fencing...
166098
If you are owning equip. under business, must be insured under business, which is not a problem.\nIf for personal use, still not a problem, can endorse to your homeowners policy as scheduled personal property, no deductible. Do not do any other way, not blanket coverage, as this is a rip off for you,\nYou may schedule quite an amount of this equip. on your personal homeowners policy.  Call your agent for assistance.\n\nAll insurance companies should be able to do this for you, and if not, your agent can work it out anyways, not a problem, regardless of what they tell you.\n\nIf this is used for Biz, still no problem.\n\nIf you have the right agent, will be very easy, cost effective.\n\nNot a good idea, unless only single piece, to purchase the insurance from the telecom equipment company, as they will charge you a very high rate for coverage.
706541
If that's what the proposal said, and that's what you signed, then it will be difficult, but not impossible, for you to prevail.  First, think about getting a copy of the proposal.  The fence company should have it. Read it.  Where is the limitation of liability clause?  Did you see it? Did they point it out to you?  Is it reasonable? (i.e. there are some things in some states that you can't waive by contract.  If the thing says that they're not liable for any damage whatsoever, it may or may not be enforceable in Florida).  Did you mention the PVC piping to them? Did they make any oral representations about the pipe (these may or may not be valid, depending upon the representations)?\nThis is an uphill legal battle for you, but what about the practical side? Call the business owner, tell him:\nHey, your guys really messed up my underground PVC piping.  I'm not happy with your work, and I would like to talk with you about having you help pay for the repairs.  \n\nExplain exactly how the fense building caused the repairs.  If possible get some proof that they didn't build the fence in a "workmanlike" way--that they were not careful somehow.  Mention that you can report these facts (never say that you'll badmouth the business itself; that can be grounds for a business libel suit) to your friends.  See if the guy will work with you.  Don't just talk to the person who answers the phone, or even the super who put up the fence--get as high up as possible.  Perhaps there is a non-legal way to settle this.\n\nIn addition, if the value is just a few thousand dollars or less, you can consider taking this to small claims court -- (the name is different in each state).  You don't need a lawyer (some states prohibit a lawyer) and the rules of evidence don't apply.  The forms are easy, and oftentimes the judge will give a "fair" verdict, rather than one that would apply a strict interpretation of the law.  Just give the facts without emotion.\n\nAs always, you can (and should) consult an attorney.  Most attorneys do not charge for their original consultation.  Call the Bar association for a referral, especially for one that does "construction defect" litigation.
654054
This is a question of allocation of risk and responsibility.  It also involves the question of whether the government should be put in the position of being an insurer for the building industry.\n\nBuilding inspectors are not on site continously.  They show up at specified points in the process.  A shoddy contractor can hide defective work under well done work and pass the inspection.  Also, buildinng inspectors have to assume that the materials meet specifications.  So, if the specs call for 3/8" rebar and the contracter used 1/4" rebar the inspector might not catch it.\n\nIf you make the city liable for not catching the contractor's mistakes, the city will be forced to have to have inspectors on site all the time.  This would be very, very expensive and would slow down the work horrendeously.\nThe city would have to increase the cost of a permit to cover not only the extra cost of having to have a trained inspector at every buildinng site all  thetime (I doubt there are that many trained inspectors) but also to cover the possibility that some jury, sometime with 20/20 hindsight and no other solvent defendant is going to give someone a judgment against the city for either (a) the cost of tearing down and rebuilding a "defective" buildion or (b) someone's expected lifetime earnings lost when the building fell on him/her, or (c) both.  I guarantee you that the building owner and contractor are bankrupt or have settled by the time the case gets into court leaving the City as the only remaining defendant.\n\nOff the top of my head, I would guess building permits would be 25% - 50% of the total project cost if the City has to carry the liability and extra manpower.  I may be off by 10% either way, but you would be looking at a ten to hundred fold increase in the cost of a permit. and the cost of the completed building.\n\nTaxpayers, being the persons who vote in the elected officials, don't like being the ones holding hte bag.  As a result every juridiction I know of shields the building inspector and his/her employer, the taxpayer, from liability.
1067789
Are you sure it has clear title?  Sounds an awful lot like this first title officer knows something you don't.\n\nWhen you get your insurance from another company, be sure to scrutinize the preliminary title report and title policy very carefully, especially the exclusions from coverage on Schedule B.  If there is anything on that policy or Schedule B you do not completely understand, take it to a real estate lawyer for a consultation before you let them bind the coverage.
860567
DON'T DO IT!!!!  insure it with a local agent, they are cheaper and they know the country and local laws that apply to Bulgarian insurance policy.. I made the mistake and when I was burgled I got nothing because the UK company had omitted specific clause that are mandatory in Bulgaria.
909299
I don't know who does this in Canada, but I can tell you you'll have better luck with a smaller, regional insurance company than a large one. \n\nBut the real thing to do here, is see if there's a professional organization near you - daycare resources, etc, where you can talk to other daycare providers, and find out who does THEIR homeowners insurance.\n\nThere ARE some carriers that, for a small fee, will let you do a daycare in your home, on a homeowners policy.