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Started By
Message
home insurance on granite countertops
Posted on 10/26/14 at 10:53 am
Posted on 10/26/14 at 10:53 am
does homeowner insurance cover damage granite countertops
5
Posted on 10/26/14 at 10:55 am to 4A/5A Bluechip
Usually only if there is a defect. Is cracked and we had to replace it out of pocket.
Posted on 10/26/14 at 10:57 am to Five0
what is it damaged from? What is the estimated cost to fix? What is your deductible?
Posted on 10/26/14 at 11:05 am to Buck Dancer
broke at the seams probably around 3000.00 i dont think it can be fixed
Posted on 10/26/14 at 11:06 am to Five0
quote:
Usually only if there is a defect. Is cracked and we had to replace it out of pocket.
Unless it is excluded, it should be covered. why would it not be?
ETA: provided the loss was caused by an insured peril.
This post was edited on 10/26/14 at 11:07 am
Posted on 10/26/14 at 11:07 am to 4A/5A Bluechip
It might....but I wouldn't take it for granite
Posted on 10/26/14 at 11:08 am to 4A/5A Bluechip
dont take a good home insurance plan for granite
Posted on 10/26/14 at 11:25 am to ksayetiger
If the crack was caused by a sudden and accidental occurrence and is not excluded in the policy exclusion. Assuming you have a comprehensive HO policy.
Posted on 10/26/14 at 11:33 am to weadjust
quote:Sooo... if it's in the exclusion policy; it's excluded?
excluded in the policy exclusion
Posted on 10/26/14 at 11:43 am to 4A/5A Bluechip
Has to be caused by an insured peril. No peril, no claim. Call your agent. Plus you have to look at is it worth it with your deductible and having a $3,000 claim on your policy.
Having a claim for $3000 on a policy may not be worth it...
Having a claim for $3000 on a policy may not be worth it...
Posted on 10/26/14 at 11:50 am to DeathValley85
quote:
It might....but I wouldn't take it for granite
Posted on 10/26/14 at 11:57 am to HebertFest08
HO Comprehensive policy covers any sudden and accidental damage unless it's excluded in the policy.
Named Peril policy covers only damage caused by the listed perils in the policy. Like Fire, Wind, Lightning, Hail, ect.
No idea what policy the OP bought. Named Peril is usually on low value or rental dwellings, unless you shopped the policy as give me the cheapest insurance that will satisfy the Lien Holder.
Edit to add
An exclusion that could apply to your loss would be faulty material or workmanship. Read you policy.
Named Peril policy covers only damage caused by the listed perils in the policy. Like Fire, Wind, Lightning, Hail, ect.
No idea what policy the OP bought. Named Peril is usually on low value or rental dwellings, unless you shopped the policy as give me the cheapest insurance that will satisfy the Lien Holder.
Edit to add
An exclusion that could apply to your loss would be faulty material or workmanship. Read you policy.
This post was edited on 10/26/14 at 12:00 pm
Posted on 10/26/14 at 12:08 pm to 4A/5A Bluechip
Damn you Obama
Posted on 10/26/14 at 12:09 pm to HebertFest08
quote:
Has to be caused by an insured peril. No peril, no claim.
A standard policy is a named peril policy, a deluxe policy is an all risk policy unless excluded. How did the crack happen? Settlement of the home?
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