home

No, because there was still a claim filed with the insurance company, they just didn't pay out for the claim. They had to pay for the claims adjuster to evaluate the damage.

Homeowner's insurance is to repair damage caused by an unforeseen event. In this case, it will most likely not be covered by insurance, especially because it is cosmetic damage caused by home improvements.

There's a couple of things to think about. Flood insurance is provided by the federal government through FEMA and the NFIP.

Your homeowner's insurance will typically pay to repair the damage to the property. They don't pay to make sure the stain matches.

You need to get the homeowner's insurance before you move in. You will also need to get the home put into your name.

This question is very specific to your homeowner's policy.  Your agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages. Usually, when there is custom work, it needs to be stated in your policy when it is written.

This question is very specific to your home insurance policy and thus difficult to answer. Your insurance agent will be able to tell you what type of coverage you have and the adjuster will be able to tell you how much they will pay to repair the damages.

Yes, typically it is cheaper to bundle your car and home insurance policies with one insurance company. Most companies will give you a multi-policy discount when you have more than one line of business with their company.

This can be tricky. From my experience, most home insurance policies will cover stolen property even if it's not the property of the named insured (your friend) but I would consult their policy declarations page to be sure.

Claims questions can be tricky because they depend on not only what caused the damage but the type of homeowners policy you have. For example, if your have a HO-2, HO-3, HO-4, HO-5, or HO-6 policy.