Loss of Use - Mileage
Our insurance company, Nationwide, is telling us they will only reimburse us for $.18/mile instead of IRS rate of $.51/mile. We couldn't find housing in Santa Rosa area where we lived so we now are renting in Calistoga. My husband and I both work so we're having to travel back and forth. The amount they are paying us for gas, wear and tear on our vehicles is not sufficient to cover our costs. What recourse do we have? The policy is supposed to cover expenses for "loss of use" which would include a reasonable amount for mileage. Thank you for your help.
Are ALE or Loss of Use payments Taxable?
We received money from the insurance company to pay for our loss of use after the Sonoma County wildfires. Our home was destroyed. The payment was for our rent while we decide if we want to rebuild. Is the payment taxable income?"
Rebuilding in Santa Rosa. Insurance company has ONLY released a portion of my coverage limits..?
My home was a total loss in the Tubbs fire, Santa Rosa. I found a local builder, who provided my insurance company a detailed estimate of my pre-fire home, meaning if I were to build that exact home to today's specs, material costs, code upgrades etc, it would cost $XXXX amount to build it. The estimate justified that I will need the full limits of all my coverage's ((the dwelling, extra 25% endorsement, other structures, code upgrades, landscaping.)) My insurance company responded with a "commitment letter" which said they are committed to paying my limits for the rebuild, but as the work is incurred at certain stages. THIS is what I am having problems with. If they are "committed" to paying my limits, then why aren't they releasing the funds (WITH the exception of code upgrade funds, which I agree to release it when work is being done) to me and my mortgagee???? As I mentioned, my builder's pre-fire home estimate justified my full policy limits FOR the insurance company! Still to this day, they have ONLY released the following funds, which seems UNACCEPTABLE and suspicious. 1.) dwelling A - $428k out of possible $560k (428k was the FMV check) 2.) extra 25% endorsement - ZERO out of $140K 3.) other structures - ZERO out of $56k 4.) code upgrades - ZERO out of $56k 5.) landscaping - they paid me in full - 28k out of 28k (but why only this one?) I want the remaining funds released NOW to me and mortgage company because: #1 so I can trust the fact they are actually paying me what they said they would #2 so I can have all the funds available for my builder in the mortgage escrow account so they can get paid. I feel I've done my part by getting that "scope of loss" estimate, but they are not doing their part by releasing the funds to be held in escrow account for rebuild. Makes no sense to have a % sitting in escrow account, and another % sitting in insurance's account. They should be releasing the rest and only holding back the code upgrade bucket until its being completed. What do I do??? what does insurance law say?? are they allowed to hold all of the remaining funds until the work is being completed?? it seems shady to me..
California Fire Claims
I have a fire claim from the Creek Fire and Skirball fire with State Farm. I submitted my claim and the carrier gave me an estimate that was low. After I couldn't get them to pay more, I tried to invoke the appraisal clause in my policy, but the insurer rejected my request stating that I cannot compel them to appraisal because the fires are a Government declared natural disaster. How can they use a clause that is meant to help insureds against them? They've stone walled me
Dwelling claim
Can I be compelled to rebuild or replace our home that burned down completely? We have maxed out our replacement cost policy and have been paid in full. Can we just choose to sell our lot and keep the settlement funds without rebuilding or replacing?
ALE or Contents expense
Partial dentures, contact lenses and prescription glasses were destroyed in total loss home fire. Are these things considered ALE expense or Contents list items ?
Debris removal
We have 10 acres and many, many burnt trees that need to be removed. Can we use debris removal for the trees or do they usually fall into the landscape portion of the claim.
We need to complete tests on our well and septic system. Can we use ALE for those expenses? We also need to complete soil engineering tests to move forward with our rebuild. Can we expense these to ALE as well? Thanks!
Is the insurance co. permitted to reduce expenses by 50 percent for depreciation?
Mortgage company releasing funds
My mortgage company is requesting that we pay our contractor in full for the amount we are paying out of pocket of the additional square footage. They want to see a receipt that we have paid him before they will let us take our first drawl from the insurance money they have received. I don’t feel comfortable giving my contractor 70k when we haven’t even broke ground. Is this legal? I feel like they are putting us in a bad spot as a consumer.
burnt tree removal REDWOOD Fire
I have several dangerous burnt trees which could fall on the building envelope and the leach field. My insurance says I have $1200 coverage for tree removal. My 2 neighbours with AAA and Nationwide have had it paid for but after a lot of arguments and discussions. I have 5% for debris removal. How do I get a clear answer to find out if this is covered. an insurance adjuster who looked at my policy said it was covered.
Insurance Company no longer willing to pay out full amount of claim when they previously said they would
Our insurance policy with Liberty Mutual has extended replacement cost coverage of 135%. When our field claims specialist met us in Dec., he said that due to the wildfire being a natural disaster, Liberty Mutual was expanding the replacement cost coverage to up to 180%. This was confirmed by the head claims specialist. Once the apprasia l(by their own appraiser!) to rebuild came in higher than the 180%, there are now reneging on this agreement and are only offering the 135%. Is there anything we can do here?
Paying for soil sampling for hazardous material and debris removal.
Luckily my house did not burn and I only lost a barn and greenhouse. My insurer is Farmer's and so far except for the following issues I have been pleased with their service. The problem with the soil sampling is that while it is required by law (?) that I have the debris tested before it is removed and then the soil tested after the debris is removed for hazardous material, Farmer's tells me, "They don't insure dirt, but only the structure." and therefore will not pay the cost of the sampling. Since they will pay for permits for construction and I can't get permits if I don't have these tests, it seems to me that I shouldn't have to pay for them. The tests cost a total of $5450 so it is not a small amount. Have you heard of this sort of thing and is there a way to get them to cover the cost of the tests? The second item concerns paying for debris removal. Since my property is in the country and I knew we would have less priority getting things done (we were almost three weeks without power and we still don't have our landline phone service repaired ((maybe in another week or so, they say))), I decided to go with a private company to remove the debris. I heard that there are still people in Lake County waiting after two years for FEMA to clean up their mess and I didn't want to wait a very long time. I now find that Farmer's will only pay 5% of the coverage on the lost structures. In my case, that amounts to around $5500 that they will pay which does not cover the $13000 I was billed for the removal. If nothing else, it would have been nice if Farmer's had told me about this part of my policy so I could have gone with FEMA after all.
Buy New - What Happens to Mortgage on Destroyed Home?
We lost our Santa Rosa home in the Tubbs Fire. We had purchased an extended replacement cost coverage policy when we bought the home two years ago. After the fire, our agent ordered an appraisal of the property "pre-fire" and it appraised well above what we owe on the mortgage. If we elect to purchase a new home rather than rebuild, how is our current mortgage handled? Does our policy pay for the structure portion of our now-destroyed home's pre-fire value, leaving us to sell the lot and use the proceeds towards a down payment? Does our policy pay off our mortgage and any proceeds left over have to be used towards the purchase of a home of similar value and like-kind? I haven't found a clear explanation on this process and I value any feedback to help clarify this as we decide whether to rebuild or buy our home.
Potential use of a "Licensed Consulting Contractor"
I have met with someone who presents himself as a Licensed Consulting Contractor to potentially have him review the Xactimate line item estimate for the rebuild of my house (Santa Rosa Wildfire). His company is RRAAdvisors and he is willing to review my Xactimate estimate, which I believe is low, and create a new estimate for $4,000. He will also negotiate the new figure with my insurer for an additional $1,000. I have about $145K left in my extended coverage. I don't know how to go about vetting him or if UPH can recommend other advisors to do that. My new builder is being asked to provide a scope of loss, but I don't know if that will be sufficient or should I just wait until the building process starts and those figures are sent to my adjuster. This person I met with has an "F" from BBB, which makes me wary. Any thoughts that might help me out? Thanks. Mark Charnas
Insurance coverage question, specifically roof replacement
While still standing, our home built in mid 1980s (cinder block and slump stone with tile roof) was damaged in the Tubbs Lane fire. Our metal barn (adjacent to the house) "melted" as well as most of the trees behind the house were destroyed. All homes around us were completely destroyed. While the tile roof survived, it was determined by a roofer that the paper underlayment was burnt/compromised and required replacement. This was approved by the Nationwide adjuster. The adjuster explained Nationwide uses "Best Roof Care". Level 1 Roofing was assigned to our project. Level 1 roofing does not warranty the completed work. Best Roof Care does, as stated in the email from Tim Ellis. The bid was $61,345.12 for concrete flat root tile replacement. Level 1 is located 2.5 hours north of Calistoga. In checking their California state license it stated "License may be suspended at a future date due to association with another license that failed to comply with a bond payout". The formal proposal calls for 40# underlayment. I secured a bid from a local contractor Berlogar Roofing. $70,600. A major portion of the increase was the underlayment change to a synthetic product. They no longer use or will warranty a new tile roof with felt underlayment due to potential water leakage. The adjuster declined to approve. I got a second opinion from a Northwest Roofer, Evergreen Roofing in Eugene, Or. Also requires synthetic underlayment for a warranty. How do I get the adjuster to approve this since it is standard practice for a warranty roof?
How to pursue policy reformation after initial rejection
After realizing that I was under insured because Ins Co had set the Coverage A policy limit too low back in 2010, I asked them to raise my limits to cover real cost of rebuilding after Cal wildfire in Sonoma County. After 60 day delay, they have now responded with a simple "request denied". No details to explain their decision. I want to respond back to them to ask for further consideration. What are your recommendations for the content that I should include in this next communication?
Replacement Cost When Buying New Home
Hello - we have +100% replacement coverage, and will likely buy at another location instead of rebuilding. In that instance, does the insurance co payout on landscaping, site prep, items that are above and separate from the dwelling replacement estimate.
Certified copy of Fire Insurance Policy Safeco
With making a request for a certified copy of our fire insurance policy should it specify the original date the policy was issued or the most recent policy renewal?
Ordinance and Law Payout in CA when you don't rebuild--Tubbs Fire, 10/9/17
We have chosen to relocate and buy a home out of state. We hired a local builder to prepare a builder's rebuild estimate. Now the builder tells us insurance companies will not pay Ordinance and Law unless you rebuild, so he will not prepare the estimate for us. (We are sure the builder is trying to help us not pay for something we will not recover insurance money from.) Please clarify if we can recover the O&L money per CA codes so that we can present him with that info and get an estimate and have the necessary info to make SF pay us the O&L (for us $22K). Should we ask another builder for an estimate or try to convince this builder to prep the estimate for us? If it is our money, we want to go after it. Also, we are in escrow selling our land. Can we get the O&L after selling the land?
Line B Coverage
My AAA line B is 10%. A check was cut for that amount but made payable to myself and my mortgage company. I thought "other structures" was not part of my mortgage payment. Like if I put in a pool, the value increases, but my monthly payment to the bank does not change. Should the payment for Line B be issued directly to me?
Buying new instead of rebuilding. How to handle the cash and how long to identify the replacement property.
Lost a house in the October 2017 Santa Rosa wildfire. Although we had lived there years ago at the time of the fire the property was a rental. The insurer paid up to the policy limits of $450k plus the 25% extended replacement value and I received a check for $562,500. I also received checks for personal contents, tree/landscaping, & loss of rents all at the policy limits. So I'm not contesting anything. I beileve there is nothing more to get if they have paid to the max policy limits? Would that generally be correct? I have decided not to rebuild but replace the house in another area for a minimum purchase of $562,500. The amount is just not enough to rebuild in Santa Rosa at this time. The replacement property will be a rental or investment property. How long do I have to find a replacement house? I thought 2 years but read conflicting reports about news laws etc. How do I hold the cash until a replacemt is found. Can in be held in a CD or brokerage account. Nobody seems to know the answer to this either.
Flooring replacement
I have an open claim where my dishwasher leaked causing damages to flooring. The affected flooring runs lengthwise throughout the entire home and into the bedrooms. The flooring was sent off to get analyzed, intel came back saying that you cannot find my flooring in the same width or with the same locking mechanism, however My insurance AAA is telling me that because there is a step at the stairs they are considering that to be a natural break. Because of this they are refusing to replace my stairs and entire 2nd level. Is there anything I can do? I heard California had laws regarding this?
Loss of use policy
We lost our home to the October wildfires in Santa Rosa, Ca. My adjuster originally told me that I have $109K in the loss of use portion of my policy, to use for rent until it is all spent. We have a lease on an AirBNB cottage that runs through August 31st. with a monthly rent just over $5000, which should leave over $60K in the loss of use pot. We are planning to buy another house, rather than rebuild, and during our searches have found that we are priced out of the market in our area, and have begun searching within a 150 mile radius of here. We have been discussing other issues with the National General property claims manager, having gone over the head of our adjuster out of frustration with his inaccurate and contradictory statements, and I emailed her with this question: After August 31st we would like to rent in the area where we think we'd like to buy a house, for probably a couple of months, just to see if it's a right fit for us, and then buy if it is. Would the loss of use coverage apply to this rental? Her response was that they have calculated that between now and August 31st is a reasonable amount of time for us to find a replacement home, and that they would not pay for any more rentals. It doesn't seem to me that they have the right to this claim. What do you think?
What are my rights/choices for the handling of the repairs and cleaning?
We had a partial loss fire. Smoke damage is throughout the entire house and will need content cleaning, walls etc. There are also repairs such as the floors that need to be replaced. We have called out two companies for estimates but both act as though it is the insurance company that gets to choose them, not us. One refused to even tell us what it might cost and told us to not worry about it they take care of everything and go through our insurance. We would like to get estimates and then choose a company to do the things that we can not. Most of it we can do ourselves and we want to. Do we have the right to choose who does what and even to do some or all of the repairs ourselves or is that the insurances' choice?
Buying a temporary home
I have State Farm. If I buy a temporary home while waiting to rebuild, can I rent it to myself under ALE?
insurance claims adjuster changing his mind
Our claims adjuster agreed to a rental amount on December 11, 2017 for a rental home we needed due to the loss of our home from the North Bay Fires in October. We moved into the rental on February 1, 2018. Then on February 16 we were advised by the temporary housing manager that our adjuster had reached out and advised that we are responsible to pay for the utilities at the rental directly to the landlord each month in the amount of $500 starting March 1 and we would also need to reimburse the temporary housing agency for February's $500 that they paid. Our question is: Can the adjuster change his mind after approving the rental amount which included utilities?
Getting O&L (code upgrade) payment when replacing, not rebuilding.
My rental was destroyed in Tubbs Fire. State Farm has given me max of basic coverage and extension, however, will not give me the $60K allowed for code-upgrades if I don't rebuild. It is my contention that the myriad code upgrades costs will be in the price of the new home, so I should be entitled to it. They contend that it is only available if I rebuild. It seems that I'm being punished for not rebuilding (perhaps I don't want to rebuild in a fire-prone location). It should not be difficult to estimate the costs of the upgrades that are now required (and the insurance adjustor put them into their estimate) that are built-into the new replacement home. What should I do? I need that $60K to go towards buying the next home. Thanx
Wildfire lose
What are the rules for buying a replacement house instead of rebuilding? I want to know California law.
Contents or Inventory
How long after a disaster does one have to complete the Contents or Inventory list for the losses? We lost our house in National Disaster 4344
Underinsured options
If I am underinsured, is their anything I can or should be doing?
California Laws Pertaining to Property Insurance after declared disaster
CA Insurance code 2051.5 (c) states that homeowners are entitled to the "extended" or guaranteed portion of replacement cost policies even if they rebuild or replace in a new location. Nationwide disputes this - saying it isn't part of my policy. What authority does CA dept of insurance have over insurance companies to ensure compliance with these laws?
Arguments for better FRV
My AAA coverage (that is too low, but this is another topic…) proposes the Fair Rental Value option as a monthly for D coverage as long as we are living in a temporary situation (up to 24 or 30 months). This option is a way for us to simplify our everyday life now without accounting for every ALE. We already had a hard time with our adjuster (from Oklahoma) to reach a decent FRV the day before the fire, adjusters from far away don’t have a good idea of the North bay area housing pricing. We have eventually and painfully reached a decent FRV of our property for the day before the fire. In order to maximize our coverage D money (and to help us rebuilding), we are trying to push our adjuster to take into account in our FRV the price gouging that is a consequence of the disaster. Basically, the rental prices have increased about 40% to 50% in Sonoma County, this is very easy to document and we have already send evidences about that to our adjuster. Our adjuster agrees with the fact there is some quite large rental price increase in the area after the disaster. The issue we have is that our adjuster does not want at all to take into account this price gouging in our FRV estimate. She claims the FRV has to be estimated prior to the time of the loss and not after. Two sentences from her: “Each payment issued on the claim is based on the date of the loss” and “Fair rental value is what we would pay based on if your home were rented at the time of the loss”. We have tried to argue in 2 directions: - We have asked her where the wording “prior to the loss” or something equivalent for FRV can be found in our HO-3 policy (and I’ve been thru the policy many times, AAA doesn’t indicate when to evaluate the FRV) - We know our house has been lost after 3.30 am on October 9. At this time, thousands of other houses in the county were already in fire. So, the price increase conditions with many people evacuated on the road seeking for housing were already set before our house get the fire. Our adjuster does not want to hear these points and stays stuck with FRV the day before the disaster. My questions: do you know some better arguments to make them move on that FRV point? Do you know some other similar cases and what was the outcome?
Payment of Extended Coverage
We lost our home in the Santa Rosa fires. Before I sign a construction contract to rebuild my home, I need assurances that I will receive the extended coverage for my dwelling under my Farmers Next Generation Insurance policy. How does one get the insurance company to pay the extended coverage? When is it paid? Can one get payment for the extended coverage before signing a construction contract?
Personal Property Loss
I asked AAA Insurance for a personal property loss form with "condition" rather than "average age in years" (which is what they originally sent me). They then sent back a new form which included boxes for both "average age in years" and "condition." Since the AAA personal property loss form is set up by categories (appliances, housewares, etc.), averaging age is almost impossible due to large numbers of items in each category. Am I required by law to list the " average age in years" of each item in my inventory, or can I return the form with only "condition" filled in and "average age in years" left blank? Thank you.
Does the Major Disaster Declaration in California Regarding Wildfires Impact Reimbursement Coverage of Home Insurance?
Does the fact that the Atlas Peak Fire in October 2017 was included in the Major Disaster Declaration in California influence or change the amount of insurane coverage in California for a residential dwelling coverage in a policy? For example, due to the amount of homes destroyed, there is a surge in construction price, resulting in the actual cost of replacing our home has risen significantly. We have Replacement Cost Coverage and Building Code Upgrade Coverage (which provides an additional 5% of coverage A-Dwelling). Endorsements include California Special Provisions, Special Loss Settlement, and Wildfire Response Program Endorsement, among others. Thank you for your assistance!
Scope of Loss
My insurance company is doing a scope of loss for my home that was destroyed in the Tubbs wildfire Santa Rosa , however they say they can not release the numbers until I give them my builders quotes. We are not 100% ready to go to contract because of issues with HOA, but they still want us to give them a ball park . I feel If I do this it could jeopardize my pay off . Would like to have your thoughts on this . Best Regards Don
OL coverage
Lost home built in 1995 to Tubbs fire. Trying to determine costs imposed by code upgrades, such as mandatory sprinkler systems, Title 24, and whatever else changed since 1995. Any help how to do this is appreciated.
Apartment lease
Our insurance required us to get a lease for 12 months for the rental after we lost our home in the Oct 8 fire. If we decide to buy a home instead of rebuilding, before the 12 months do we have to suffer the consequences of breaking our lease and what are they. What can we do to prevent this?
Preparing a Scope on my structure
What is the best way to prepare a scope on my house that was totally destroyed in the Napa fire. I would like to get more money from the insurance coverage remaining from the dwelling coverage and the option ID and option OL. What does the scope has to include? Are there any samples to get some kind of idea. I am working with a contractor. What should I ask for? How much detail is needed? what kind of building ordinance or laws are most likely needed?
How do I get Mortage company to pay insurance money due to fire it’s been over 5 months
I have received one check for $4986 dollars which $1700 was paid to a fraudulent contractor which I fired and informed the Mortage company on Dec 7 2017. Since that time I have been asked to send them terms of paper work at which point they say they have everything and the check will be cut in 2 days, this is the 11th time that “checks in the mail” I call back to make sure and they want more or claim they never received the documents. It’s been 5 months of empty promises and me living in a house with a fire destroyed kitchen. How do I get Roundpoint Mortage to cut a check to fix my home?
AAA coverage D, Fair Rental value. Santa Rosa wildfire.
Dear United Policyholders team, We are victims of Santa Rosa CA wildfire, on October9, 2017. My AAA coverage (that is too low, but this is another topic…) proposes the Fair Rental Value option as a monthly for D coverage as long as we are living in a temporary situation (up to 24 or 30 months). This option is a way for us to simplify our everyday life now without accounting for every ALE. We already had a hard time with our adjuster (from Oklahoma) to reach a decent FRV the day before the fire, adjusters from far away don’t have a good idea of the North bay area housing pricing. We have eventually and painfully reached a decent FRV of our property for the day before the fire. In order to maximize our coverage D money (and to help us rebuilding), we are trying to push our adjuster to take into account in our FRV the price gouging that is a consequence of the disaster. Basically, the rental prices have increased about 40% to 50% in Sonoma County, this is very easy to document and we have already send evidences about that to our adjuster. Our adjuster agrees with the fact there is some quite large rental price increase in the area after the disaster. The issue we have is that our adjuster does not want at all to take into account this price gouging in our FRV estimate. She claims the FRV has to be estimated prior to the time of the loss and not after. Two sentences from her: “Each payment issued on the claim is based on the date of the loss” and “Fair rental value is what we would pay based on if your home were rented at the time of the loss”. We have tried to argue in 2 directions: - We have asked her where the wording “prior to the loss” or something equivalent for FRV can be found in our HO-3 policy (and I’ve been thru the policy many times, AAA doesn’t indicate when to evaluate the FRV) - We know our house has been lost after 3.30 am on October 9. At this time, thousands of other houses in the county were already in fire. So, the price increase conditions with many people evacuated on the road seeking for housing were already set before our house get the fire. Our adjuster does not want to hear these points and stays stuck with FRV the day before the disaster. My questions: do you know some better arguments to make them move on that FRV point? Do you know some other similar cases and what was the outcome? Thanks in advance, best regards.
SBA loans
If SBA turns you down for a loan does FEMA then offer grants? Also will SBA refinance a mortgage?
How do i dispute a homeowners insurance claim?
Can I cash an insurance check even though the claim is under dispute & the insurance company says it is a final payment?
ALE minimum of 24 months
I chose FRV instead of ALE as my Loss of Use benefit. My adjuster is saying that even though my home was damaged in the Winter storms of Los Angeles which was a state declared emergency the statute says exactly that the 24 months is: "shall be subject to other policy provisions".... and the policy provision is "fastest time to repair" which the insurance is stating is 3 months to me based on a contractor estimate. They are basically trying to get a way out of the 24 months by saying the "policy provision" is less. This doesn't make sense to me! Also I chose FRV as my loss of use benefit not ALE since my home is worth more than the temporary home I rented. Would the 24 months still apply to FRV?
Issue with claim on auto flood and shop and my truck
I live in a flooded area and both Truck and car was damage from the water. I filed claims for both but since it was around the holidays I waited till I got back into town to deal with all repairs. I started with the Truck 1st which I am making payments on and I am not late on any payment. I started out owing over 20,000.00 on the truck it is now left owning 6500.00. I got a price estimate for repair from the shop. When the adjuster came out I showed him the estimate and he looked at the truck seen there was small amount of water in the oil and the water reserve. The adjuster asked where I wanted to take it and told him where I bought the truck from. The adjuster had the truck towed there and told the shop he wanted a compression test and the door locks and window checked. The shop automatically put a new motor in the truck and bought the stuff for the windows and doorlock plus the electric which it came with the truck factory. It was working before it went to the shop. it has been 2 weeks now. The shop said the truck was ready so when the adjuster went back to the shop to get the information on what he told the shop he needed which was the compression test and what it would cost on the doors and locks he seen the shop had already installed the motor and the shop told him he had to put a new water pump, gaskets,ect. The adjuster said I did not tell you to put the motor in I told you I wanted a compression test and the doors and windows checked and a price, also the adjuster told him with the price of the new motor it should come with all the new gaskets, water pump ect. also now the remote start is not working as well when it did when the shop got it. So now we have a rental which Gecio order it under my policy. I get a call from Gecio and they said all payments are suspended for rental and repairs on the truck till we talk to the investigator. So as of yesterday the car rental is on us it we keep it. The shop has the truck and will not give it to us till he gets paid..The shop was told only to do a compression test and check and give estiment on the doors and locks. The shop will not loose anything cause we still owe 6500.00 on the truck so he will keep it and resale it cause from the start he got the old truck as a trade in which was paid for and 6000.00 for everything and then after finance everything came out to 24,000.00 buy here pay here so he has gotten all his interest since we only owe 6500.00 he can keep the truck with a new motor and resale it and make more off it. Since the shop took it on himself to install what he called a new motor when the insurance didnt approve it yet now they are stopping everything and we are left without our truck, we dont have the money to keep the rental, plus it is now gonna cause issue with getting to work. What can we do now. If we get it from the shop on a payment plan he is gonna jack the finance charge on it at 28% like he did when we bought the truck. Gecio said they would pay for the claim if the shop did what they was told to by the adjuster. Now its up to the Investigator. I told the adjuster after he came and looked at the truck and he call tow to take it to the shop and I told the shop to call the adjuster before he did anything and he would let him know what needs to be done also I gave the shop the adjuster number..I told the adjuster after that I had nothing else to do with it that it was between the shop and the adjuster so what happen after that was not under my control and the adjuster did talk to the shop and did tell him to do the test and estments on the door and once he done that to let him know and then he would let the shop know what to do next. the adjust said before he knew it he had already installed the motor..Please what can I do..I paid too much for the truck and I and the adjust dont think it was a new engine cause with the shop saying they put all these parts on it and gasket for the close to 7000.00 when in fact it should come with everything already on it..The price of a rebuilt motor for that truck with a 5 year warranty cost about 3000.00 or less..What can we do to get our truck or settle the insurance issue
Underinsurance and what we action we can take against the carrier?
Policy Limits: $46,000 structure; $4,050 outbuilding; $50/day Total Loss: $240,000 This coverage amount is the maximum the carrier would allow us to obtain. The total fire loss is 6 times the coverage amount. What relief can we get?
Home owners insurance costs with routine maintenance to the electrical system
My name is Chris and I am a home owner in the state of California. I recently had an electrical service technician out to my house for a trouble scenario. Everything turned out to be fine, but at the end of the appointment he stated that it would be best to have routine maintenance done to my electrical system (1 time per year), not only for the integrity and safety of the system, but that it would also lower my homeowners insurance per month. This guy was an amazing electrician, and seemed to really know what he was talking about! The reason why I am investigating this more is because I lean toward believing him because he didn’t try to sell me a “Service” or try to get me to be part of a “Gold Club”. He simply mentioned it, and went on about his way. When I asked him if he could complete the maintenance on a yearly basis, he said that it was not what his company did. I asked him if he could refer me to a company that I could contact for the service, but he said that he didn’t know anybody?? Finally, I asked him what something like that cost, and he said that he had heard of a company doing it awhile back for only $200.00 a year!! So, before I look into this any further, I wanted to validate with somebody who was informed about homeowners insurance, that wasn’t biased one way or the other. Can you give me some clarity on this, and if you can’t, can you point me in the right direction. Thanks in advance!! Chris
How can I get to the limit of Structure coverage
I had a 3888 sq ft Custom Fountaingrove home, the current estimate from State Farm is $711,000. Coverage A is $864,000. They brought a check for the $711,000 - which I am holding. If I deposit it am I saying that I am accepting this amount? They are very difficult to work with, we are at a stand still right now.
Dwelling Extension Coverage
I have Statefarm insurance and lost my home in the Tubbs fire. I was told by a neighbor that anyone involved in a federal disaster is entitled to 100% of the dwelling extension coverage regardless of what percentage is stated in the policy. So if Coverage A is 1 million, one should receive 1 million for dwelling extension, not the 25% policy limit. Is that correct?
public adjuster
My concerns were structural and smoke damages of my home when I involved a public adjuster. Who told my daughter and myself; the contract would only for the dwelling, and he wouldn't take the claim unless he knew he could do better. Bonus! I said to my daughter. That night at home I rechecked the contract and noticed it showed both dwelling and pp. I called my daughter to confirm that the adjustor did say only dwelling, and I called their office that same night to clear up what the adjuster said and what he wrote, we're two different things. but not cleared up. I never saw that adjuster again but had two different one since. We are the final negotiation and they want 10% of my personal too. Is there a easy solution to resolve this?
CSAA Insurance after my house was destroyed in the 10/9/17 Firestorm in Sonoma County California
My insurance part A covers my dwelling for $295,000. I also have a 50% supplement. I am not in contract yet with my contractor to rebuild. My insurance has paid out $235,000 (this figure represents the fair market value of the house with depreciation, and without the land). I would like them to pay out the additional $60,00 to max out the dwelling part A amount. They understand that it is going to cost more to rebuild than the $235,000 amount, so I don't see why they wouldn't do that. This is causing me stress and anxiety, thinking that I have extra work to receive the $ in installments at (I think) , 50%, 75%, and 100% of completion of the dwelling. I have asked for a re-appraisal of the house to raise the fair market value, my agent said that they don't want to do this, but that she would review it for me to try to get me a little more $. P.S. Out of the $235,000, my mortgage company is holding $205,186.57 in an escrow account, and I am holding $29,813.48. Any suggestions would be helpful in how to deal with CSAA in this matter.
Letter of intent to rebuild
I need to send my insurance company a letter of intent to rebuild. Is there anything specific I should include in the letter besides the desire to rebuild? We are still in negotiations over Dwelling A, extended coverage and code upgrades. Should I indicate that I expect I will need full policy pay out to rebuild? I am getting a scope of loss and believe it will show that we will need full coverage. Thanks!
Cal. Ins. Code 2232.45.4.
It’s a California law but I want to know if it is current? Can you please let me know so I can plan accordingly.
Insurance renewal charges
We lost our home in the 10/9/17 fire. Hartford is now asking for $1957 for new insurance. Is this legal since all we have is the lot & some clothes purchases? We previously were paying about $1200/year for house which was totally destroyed. Our address was 3723 Lakebriar Place, Santa Rosa, CA
Ordinance & law coverage
I apologize if this is already answered somewhere else on the site. Met with our State Farm adjustor for four hours yesterday regarding our total loss claim from October 2018 Tubbs Fire. Amongst the information he shared is that State Farm will not pay any O&L until and unless the cost is incurred. At the various UP meetings we attended, we came away with a specific understanding that we could access OL coverage towards buying a new home once we went through the steps of having a builder provide an estimate with OL upgrades. Our adjustor (a life long State Farm employee) said the only exception they would make is if we signed an actual "build contract" with a contractor and had taken steps towards rebuilding; not just obtaining an estimate. As you can imagine, this is very distressing to hear. We are still evaluating our options...
Dwelling payment check
I received a dwelling payment from AAA for less than I am willing to accept. However, I do need the money to rebuild and give to contractor. On the check, it states: Endorsement constitutes acceptance of the offer of payment. Does this mean, if I endorse this check, I am not entitled to fight for the remaining balance on the dwelling? Any help would be greatly appreciated!!!!
dwelling-summary of loss
Hello Expert, I have 2 "summary of loss" statements for my dwelling from State Farm. On 10/21/17 our claims adjuster met with us in our apartment and stated that he was instructed to "max out our policy". Again in November 2017 ( I can't remember the date) we met and he stated he was able to "max out" our policy except for the landscaping. We received "summary of loss" dated 12/2/17, and it appeared to us this document reflected our conversation. We expected a check for approximately $712,000. On 1/13/18 we met again in our apartment. This time he presented us with a check and another "summary of loss" for approximately $578,000 and told us "don't worry you still about $200,00 to dip into". I politely said, "we are surprised, I thought you were going to max out our policy" He replied, "that's what I was instructed to do initially". We took the check. My question is, are we entitled to the amount from "summary of loss" dated 12/2/17? Do I have enough documentation with the two "summary of loss' statements to proceed with asking State Farm to honor the original "summary of loss" amount? I feel we were mislead. I phoned our claims adjuster on 1/25/17, he said he has been "released" and he has been back in Texas for four days, and our claim will now be handled by "staff". Help
Personal Property
We lost our home in the 10-9-18 Tubbs Fire. We are insured by State Farm. In response to the Insurance Commissioner's request that personal property claims be paid at 100% without inventorying, State Farm has offered 75% but requires an attestation that the personal property was worth 75%. The attestation includes language stating that they do not waive any right or provision contained in the policy. So it seems like a worthless gesture since it implies that they can ask for an inventory after the fact. The mere requirement of the attestation means we have to do an inventory to be in the position to aver that our property hits the threshold. Any suggestions on how to respond? Thank you.
Rental housing deposit--ALE?
I saw a previous fire survivor blurb on this site about having finally gotten the rental housing deposit reimbursed as ALE and not as an advance against personal property. My insurer (STATE FARM) is maintaining that it is NOT ALE. Is there any authority that I can cite in responding to insurer? Or is it something that requires Dept. of Insurance intervention.
Insurance coverage for rebuilding my house
My house burned down in the Northern California Tubbs fire in October 2017. I am getting the full amount of the stated amounts on my insurance policy but it is not enough to pay for the rebuild. I heard that some insurance companies are paying more than the stated amounts, is this correct and how should I approach my insurance company.
Lender Forced Insurance
I lost my home in the Lilac Fire on 12/7/17. At the time we had financial issues and the lender forced insurance, which turned out to be far less than what it will cost to rebuild ($398,724, house would be close to $700,000). My 2 loan balances with Ocwen are $581,591.00. Do I have any recourse with my lender to modify because of the lack of insurance?
Additional Living Expenses
I have a renters policy and a friend has offered my family and I to temporary allow us to stay at her home for a reasonable monthly rate. Will the insurance company pay a friend or family member if they host our family?
How much leeway or leverage does an insurance claims adjuster have regarding a total loss claim and helping their clients?
With numerous people in my community (northern CA) losing their home to the recent wildfires, me included (along with all possessions). Every "victim or client" has been assigned to an insurance claims adjuster for their home loss. I read posts and talk with fellow neighbors that there claims have had different results WITH the same insurance company, and feel that maybe it is because of how much they get along (or not) with their assigned adjuster. The question is how much leverage or power do these assigned adjusters have with their insurance companies and their assigned clients? The more they like their client the more they will go to bat for them? and vise versa the more they dislike or have a tough relationship with their client, the less likely they will vouch for them reagarding their claim? So far what I feel (which is ridiculous)I is the relationship with your adjuster may really matter. Lets say for example it has been a tough go so far with your adjuster. This adjuster senses the same thing and has the capabilities to just do the minimums for that client for his/her claim. Versus another adjuster and client with the same company has had a friendly mutual relationship with each other. And because it has been so good, this adjuster is more willing to do anything in their power to go to bat for that particular client... Whether that is paying out more for contents, or approving requests from their client. In, your honest opinion, is what I am saying accurate? I am sure these adjusters who have experience in this industry know exactly what I am talking. If it is indeed accurate, what should the client do in the case where it has been a rough go around thus far with their assigned adjuster? Demand another from that company? Will that solve the problem to ensure they get the most pay outs for their claim? Clearly when you lose EVERYTHING due to a fire (claimed a national catastrophe), you should get the max help from your insurance companies, regardless of where you stand with your insurance adjuster. Thank you.
ALE for 24 month
ALE is 24 month, if rebuid can not be done by 24 month, does insurace still pay me loss of use?
tax implications of insurance company proceeds
I attended meeting in Santa Rosa, CA on 1/25 where Michael Musson CPA spoke on this subject. It was said that visuals of his slides showing sample calculations would be made available online. Would like to see those slides. I will be re-building so my main interest is determining if there is any gain to be recognized and when.
mortgage co. states new policy for Hurricaine Irma Homeowner (Borrower) insurance checks under 40,000 will be endorsed and returned to borrower (Homeowner) Where can i find this policy in writing
I received insurance check for 21,000 My mortgage in also on check as third party and want me to sign and send to them stating they will require to hold and pay contractor after repairs and inspection is completed. A few weeks later they stated a new policy states they can endorse insurance check if check is under 40,000 and return to me for home owner to make repairs. They are not willing to send me such new policy in writing.
Is there any benefit to keeping my homeowners insurance after the house burned down?
My house burned down in the Tubbs fire in October 2017 and I'm living now in a rental. I kept my homeowners insurance with Amica as I was afraid that if I canceled I might not be able to get insured again when I'll finish rebuilding the house. Now it looks like the rebuild won't be finished before 2019, after the state mandate for continuation of insurance will have expired. I wonder if there is any benefit to keeping the original homeowners insurance running until the rebuild is finished? My insurance company (Amica) does not provide a construction policy. Also, they didn't respond positively to my request to lower the insured amount (it's now an empty lot without a dwelling). A simple renters insurance (with the same company) would provide liability coverage for the lot. It's either continue with the entire coverage (almost $2000/year) or cancel the homeowners insurance. Thank you for your help!
What category is my wine collection considered under personal property? There is nothing in my policy that indicates it is not covered.
We lost our home in the N. Cal wildfire in Oct-2017. I had a 600 bottle collection of wine and a refrigerated wine cellar. I value the wine at $35K. There is nothing we have seen in the policy that excludes wine. What personal property category does the wine fall in? Are you aware of any exclusion for wine if not explicitly mentioned in the policy? Our policy is with CA AAA. Thanks.
Finding a trusted public adjuster
After many problematic issues with our insurance company, we've decided we need to employ a public adjuster. Our home is not a total loss (from the October Northern California wildfire) so we're having a hard time finding a public adjuster who says our claim "is worth their while." One adjuster said it's not worth his time to take a claim under one million dollars. Are there any reputable public adjusters in our area that are willing to take a job that is "only" around 150k?
National disaster status
As survivors of the Oct. 2017 wildfires in Sonoma County, we have been told by others that since the wildfire area was categorized a national disaster area we may be eligible for a bump up in our insurance coverage (we've heard anywhere from 35% to 50%) above and beyond policy limits. Any concrete info regarding this? Thank you for your reply and the amazing services you provide.
My husband and I have been with Allstate for 32 years. Never in the 32 years of being with Allstate has anyone ever asked us to inventory our contents. We sold our large home at Silverado Resort where our contents were covered for $496,000. We bought a “fixer upper” at Silverado Resort and on September 15, 2015 we put our contents into storage for a year, on August 1, 2016 we moved our belongings into our newly remodeled home of which we put $475,000 of our own money into it to rehab the dwelling. Ms. Matto knew all of this. After we moved in she without asking us anything wrote a “Standard Condo Policy” reducing our contents to $200,000 and building property assessment at $204,000. We are grossly underinsured for our contents for which we thought we were covered for and we paid on those contents for years with our premiums. We contacted our Allstate agent after the fire, we are in shock of the lack of coverage, we asked her why she never came to our home to review and see the beutiful life we had and the beautiful belongings we had, “I don’t go to clients homes”!! There seems to be errors and omissions here? Three months after the fire and loss of our home we got a call from Allstate asking us if we wanted to set up an appointment to review our policy for a contents review!! Please we need some help to navigate this nightmare!! This lack of coverage is a huge financial blow to my husband and I.
Rental car and other expenses after auto accident
California Claim. Insurer for person who’s car hit mine at an intersection notified me that thier investigation determined that their party was at fault. My insurance covers a rental car for a maximum of $15/day. Cheapest rental car I can find in my area is $23/day. Will the at fault party’s insurance cover the difference?
ALE Mileage claim
What is the industry standard mileage reimbursement?
Do you have ocuments to help fill out contents on total fire loss?
Insurance payments on my contents
My home was destroyed in the Tubbs fire in October of this year, I have worked very closely with my two adjusters from Nationwide, in the process my content adjuster asked and we filled out a detailed list room by room of everything we had on the property. The adjuster worked with us over about a 6-7 hour period and several different days, she assured us that we would get the full value of our policy limit of $330K for the contents, today I received a email indicating that the depreciated value of my belongings meant that I was $90K short of getting full payment. is there anything that I can do about this issue?
How do I get my insurance company to pay out policy limits on all categories? Santa Rosa fire
In Coffey Park, home was a total loss due to Tubbs wildfire 10/8/17 So far I have received only 335k of a possible 436k - coverage A Coverage-B Other Structures: I haven't received anything yet of a possible 43,600$ Coverage-C Personal Property/Contents I have received only 70k of a possible 218k Landscaping coverage- I've received 14k out of a possible 21k limit (again short of limits) I see many other fire victims saying they have been paid their policy limits from their insurance company, so how do I get into the same position as others? Is my only option hiring somebody? I'd prefer to get paid my limits in full, and to do this on my own. Can that be accomplished? If so, how?
Personal Property - Do I need still need a personal property inventory for taxes?
In light of the California Insurance Commissioner's request, my insurance company is now offering at least 75% of personal property coverage without the need, and corresponding emotional toll, of a personal property inventory. While this is encouraging, do I still need to do a personal property inventory for tax purposes to show that I did not have a "gain" on my personal property? While the check is big, I lost everything and am unlikely to have any gain, The inventory is very time consuming and stressful and I would rather not have to do one if I can reach a fair settlement and not create unforeseeable tax consequence. I briefly looked at some IRS guidelines and they seem to envision item-by-item determination but it was unclear. In any event, doing this across thousands of items would be a nightmare. Is there some exception for natural disaster survivors or something else? Please let me know. Reference to IRS guidelines and places for further reading would be appreciated also. Thanks Uphelp!
Premium Increase
Can an insurance company raise a commercial property premium amount because of the size of storm claim settlement amount in Texas? If we settle the claim at $500,000 instead of $800,000, can the insurance company raise our premium because we settled at a higher amount? This is not related to a lawsuit or appraisal.
Does insurance company need to agree to Purchase vs Rebuild?
I just called the California Dept of Insurance hotline to verify that it was permissible by law (California 2051.5) to buy vs rebuild after a home is destroyed. The CDI rep said yes, but only if the insurance company agrees to settle the claim that way. Really? Do I really need to get the insurance company's permission? I thought that the purpose of the CA law was to give me the option of buying without needing permission.
My house in Fountain Grove (Santa Rosa) burned down. I bought it Dec-30-2017 (size: 2616 sq. ft); Farmers insured us for $250/sq ft. In their description of the property they made several mistakes (e.g., lot slope was 0-15 degrees whereas it was closer to 30 degrees). All builders tell us it'll cost a minimum of $400/sq. ft. Do we have a case?
contents depreciation
My insurer is applying an excessive amount of depreciation, for example (75% on antique furniture). What is the best way to get them to be reasonable? By the way, my insurer (American National) was really good about the dwelling coverage, but is being awful about contents. Despite the requests of the insurance commissioner, they are only offering 27%, not 50% or 75% like other insurance companies.
Mechanics Lien
My smoke damage contractor, ServPro, informed me they will place a lien on my home in less than 3 weeks. They are still negotiating with my insurance company, Travelers, and my agent has been unresponsive to my requests for information. If I send Servpro all the funds the insurance has sent me, plus my deductible (about 75% of what Servpro is charging) will this stop them from placing the lien? Servpro's invoice is for $14,795 and Travelers has paid me $10,465. My deductible is $500. Thank you for any assistance you can provide.
Can I use Coverage A monies to buy AND remodel?
Let's suppose my insurance company offers me $900,000 for the Dwelling coverage after my house burned in the October wildfires. Will I be able to buy an existing home somewhere else for $800,000, and then spend the remaining $100,000 for remodeling the new house as long as the remodeling is done within the 2 year time period?
Getting more money for flood insurance claim
Our home flooded during hurricane Harvey and our flood insurance policy entitled us to 200k but only gave us 88k. This is not enough money to repair according to city guidelines. What can we do to get more money?
Purchasing a home instead of rebuilding
It is my understanding that I have the right to purchase a home instead of rebuilding my destroyed home. I also believe that if the purchase price is less than the negotiated rebuild price of my lost home, I am not allowed to keep the 'additional funds'. But what if I need to remodel the purchased home to bring it up to a level commensurate with my lost home? Can the 'additional funds' be utilized for the remodel?
Changing my adjuster
I would like to if I have a right to a new adjuster for my claim. I lost my home in the October Wildfires and from the very beginning she didn't return my calls or respond to my email. It took her 10 days to actually contact me in person. She left one voicemail before that. Most transactions have been through people in the claims office, the emergency mobile office, or her supervisor in the large loss claims office (ie. ALE referrals, appraisal results, releases of funds for rental deposit. I finally asked her to set up a weekly phone appointment. She agreed and then went on a three week leave of absence. If I need anything, I have to contact her and then contact her supervisor when she does not respond in a couple days. Her supervisor refuses to assign a new adjuster. Her answer to her adjuster's lack of service is "you can talk to me." This treatment has taken a toll on my health, and I have told her supervisor this.
hiring an architect
Hi, we have a blanket policy with Kemper. This makes maxing out the policy tricky, because what you don't use in one bucket can be used in another bucket. Anyways we have been stuck trying to figure out who we want to work with as an architect. We spoke with our public adjuster today, and he advised that insurance company may not spring for an expensive architect. Typical fees range from 6% to 15%. We have at least 2 quotes that charge about 10% of the estimated construction budget, or $130k. What's the best way to handle this? Ultimately, we are frozen, because we don't know how much money we have to play with. If the public adjuster can max out our claim, then we can afford an architect out of that budget. This will take a long time to shake out. meanwhile, the clock is ticking for us. So what if we submitted the architects' proposals to the insurance claims adjuster? I guess it doesn't hurt to ask, right? or does it? We are worried that the claims adjuster will say no, because we only pay for rebuilding your previous house, and there's no way that it costs $130,000 to modernize your existing plans. Is this a common question? How have other people handled this? architect fees are what they are, and 10% seems fairly common. Yours Raj
Verification that carpet and pad plus upholstered furniture needs to be replaced
Who do we need to support our feeling that we need to replace the carpet, pad, and soft furniture?
Mortgage Company payout after loss
We suffered a large loss from a burglary. The Insurance company paid the mortgage company $35,000 for repairs. 17k of this loss was to replace wood floors. The floors are naturally distressed and the damage is minor. I have repaired the floors myself. The repairs are consistent with the overall look of the distressed floors. The mortgage company requires an onsite visit once 100% of repairs are complete. Will the mortgage company release the money even though we did not replace the floors? Thank you, Mike P
personal property
Hello I lost my house in Santa Rosa in the oct fires. My insurance company has only given me 70% of personal property even though the ins commissioner recommended 100%. What is a good solution to increase the percentage given to me. It is extremely painful to inventory every item in my house.
Investigation and examination of contents purchased used
I had a collection of vintage guitars and vintage stereo equipment all of which were very expensive . They were of course purchased used from individuals. Does the insurance company have the right to go beyond verifying the receipt with a seller. And ask for a physical visual inspection of said equipment. When you order and pay for something can you at that point turn in the receipt or do you have to wait until it's delivered. Some things might take a considerable amount of time. Thank you Chip Johnson.
underinsured-Can insurance companies INCREASE Maximums based on proven facts
Hi, I remodeled my home and the city has documentation of this, (rooms were blown out and a bathroom was added. I also have documentation from the contractors about a kitchen and bathroom remodel as well as hard wood. I do not believe that State Farm increased my dwelling coverage enough. As a result, I am not able to pay for my new house to be rebuilt. Can insurance companies INCREASE Maximums based on proven facts? If so, what is my best method of requesting this? I have already asked State Farm to provide documents that show the increases throughout the years but they have only gone back to 2014 and one of my 3 remodels was 2005. The adjuster keeps saying he can only pay on my maximums. My agent was playing dumb and not even indicating that he could read the dwelling paperwork, his response, "I really don't know what this means". My contractor is about to provide a bid to move forward with the build and he says there is something VERY wrong with the numbers. I would be grateful for any help with this issue, thanks.
Selling property after wildfire
We are planning to sell our property after it is released back to us when debris cleanup has been completed. The property was a total loss. Will selling have any impact on our claim? For example, if CSAA agrees to increase Part A limits because so many of their policy holders here are significantly under insured, will selling our lot prevent us from collecting additional payments? Thank you for any insight you can provide.
Sonoma County wildfire policy limits on replacement
Is there any recourse when policy limits are below the replacement cost of the home? Farmers insurance is offering to pay the maximum on the policy limits, but it is still below the appraised value for the dwelling. Definitely under insured. They used a module at renewal allowing for $190 per square foot for replacement. The appraisal is saying $300 per square foot. This is a large discrepency. Is there anything that can be done?
My house insurance coverage
Hi Amy, First of all thank you, Karen, and many others from United Policyholders coming over to Santa Rosa CA. I have learned a lot about insurance. I have a question and would like to get some help on it. As I understand that a lot of us in Northern California fire are underinsured for home rebuild, but just comparing with my Farmers group, my house is way underinsured. Currently our cover A is barely half needed to rebuild. We would like to know what will be our option(s) to solve this issue. My main question is that if we file a complain to California Insurance Commission, does it affect our legal action if we chose later on to sue Farms? Thank you so much. Lisa
ERC and personal property clauses
While negotiating with my adjuster about the 150% ERC on my policy, he said that if we decide to buy an existing house instead of rebuilding, and then sell our property, he could deduct the sale value of the property from the ERC agreement. He said that we are not supposed to "benefit from out loss", his words, and the earned value of the property sale would be a benefit. This despite his repeated assertion that my policy did not cover the property, only the dwelling. Our house was on two acres in an upscale area and the burned out property may be worth up to $300k on the current market. Does he have the right to do this? Also, the California insurance commissioner has come out to say that insurers should waive the requirement that the insured itemize their personal property losses, and instead the insurers should pay the full amount of the coverage for these losses. I have addressed this issue with my adjuster and he continues to refuse to budge. How should I proceed? Would going over his head in the chain of command be advised? We have the extenuating circumstances of my wife currently undergoing treatment for breast cancer, and have a letter from her doctor verifying how difficult this is for us.
"Insurance Consultation Clinic" slides?
I attended the UP "Insurance Consultation Clinic" this past Saturday (1/6/18) here in Santa Rosa, during the presentation they mentioned that their slides would e available via the UP website. Could you please direct me to where I can find them.
Fixed amounts for "living expenses"?
"I lost my home in Santa Rosa (Coffey Park neighborhood) during the October 2017 wildfires. I understand that because a disaster was declared, California insurance companies are required to cover at least 24 months of relocation expenses. My question is whether or not it is legal for an insurance company to provide temporary additional living expenses (aka relocation expenses) with a fixed "maximum" value (meaning it's possible to exhaust the funds in less than 24 months) verses an open ended amount (no defined maximum limit) which is certain to provide a full 24 months of living expenses? If companies can place a fixed maximum value on additional living expenses, then I would appreciate it if you could provide links to resources to better understand what options are available to provide additional security for those who's insurance policies have that type of limitation.
Starting construction lock in payout amounts?
I lost my home in Santa Rosa (Coffey Park neighborhood) during the October 2017 wildfires. I was told by a builder and an architect in separate conversations that once I break ground on rebuilding my house I will be 99% "locked-in" with the Dwelling Unit (structural) value/payout amounts on my claim and negotiations for that portion will pretty much cease or be concluded. Is information this correct? Either way can you direct me to where I can learn more about this topic?
Can I sell property while in the middle of an insurance claim?
My manufactured home burned down in Lilac Wildfire. Can I choose to not rebuild and sell my property to another person. Will I still be able to receive my insurance $ for dwelling, personal property and all other item listed on the policy?
I am trying to get our AAA insurance to pay FRV for a furnished rental rather than an unfurnished rental. I have gotten quotes from a realtor on their letterhead as requested but the adjuster keeps telling me they will only pay for an unfurnished rental. He keeps sending me the policy language, which makes no mention of furnished vs. unfurnished. Seems like the FRV for the home we lost should be for a furnished property, since it was. Below is the most relevant part of his most recent email: "AAA has interpreted the Loss of Use of the policy, as ether you elect to do the ALE which allows you to provide rental receipts for lodging and additional cost of being out of your home OR - FRV which is one payment each month to cover all your expenses for being out of the home. "With Fair Rental value - if elected - you do not have to provide any receipts, once the FRV figure has been established this is all inclusive for all expenses while out of your home. This was meant to simplify the process. So from this Realtor statement we can go with the $ 3650 a month with no additional expenses accepted. "COVERAGE D - Loss Of Use The limit of liability for Coverage D is the total limit for all the following coverages. "1. If a loss covered under this section makes that part of the "residence premises" where you reside uninhabitable, we cover, at your option, either: a. Additional Living Expense, meaning any necessary and reasonable increase in living expenses incurred by you so that your household can maintain its normal standard of living; or b. Fair Rental Value, meaning the fair rental value of that part of the "residence premises" where you primarily reside less any expenses that do not continue while the premises is uninhabitable." Thanks for looking this over. Arthur Dawson, Northern California Fire Survivor Warm Springs Rd., Glen Ellen
Content depreciation
Our insurance company is refusing to provide the depreciation schedule. Are they required by law in California to provide it?
Are people with partial losses required to fill out a sworn statement in proof of loss?
My adjuster with Nationwide has been extremely difficult to work with. Now she wants us to fill out a sworn statement in proof of loss with it being notarized. Is this standard protocol, or is it a tactic they are using to stall and discourage our claim? I thought that a sworn proof of loss was for only those with complete losses. All of our personal property is evident for them to see with smoke damage being evident. Now they want us to provide all estimates, depreciation, acv, date of damage, actual cost, etc. This does not seem to on par with what other Nationwide clients are going through.
Loss of Use due to Tubbs Fire (FEMA)
Our home burned in the Tubbs fire/Santa Rosa, CA. Are we allowed to pay off our mortgage and purchase another primary residence for the approximately 2 years, while our home is being rebuilt? I was told that if the insured buys another home and permanently (not sure how they define 'permanently) relocates it could terminate their loss of use benefits. Is this true?
documenting the value of antiques, art, etc.
I seem to recall that the need for appraisals, special insurance on normally "scheduled" items, etc. when it comes to expensive and antiques, is by and large waived for declared disasters resulting from wildfires. Is that the case? I'm sure there is more to it. Can you assist in an answer or direct me? Thank you.
Partial loss fire damage & requesting home inspection
Hi- My home survived the recent Altas Peak fire in Napa and from what we know it was impacted by extreme high temperatures and high winds. We know the fire was in the gutters and at the farthest point was 30 ft away. According to a fireman on the scene, our house was encircled by fire. We are concerned with hidden damage to our home, concrete, windows, plumbing, walls, roof, steel, etc and found your on-line materials very helpful. My question is specifically about a home inspection. Our "field adjuster" says he is qualified to do a complete fire inspection of our home. (Although he has worked for our insurance company for 10 years, he is an Economics major.) If our insurance company says he is qualified to do the inspection, do we have any legal recourse to request a qualified contractor, engineer, or real home inspector? The first adjuster that came to the house, spent less than 2 hours on site and didn't even climb a ladder, spent most of his time counting trees and looking for ash on the window sills. When we requested a more through home inspection, our case was given to this current adjuster who claims he has extensive experience assessing fire damage. Thank you. BTW-went to your presentation on Thursday in Napa. You did a great job and we are so thankful your agency exists to provide accurate information to consumers!
Timeframe to receive Scope of Loss
Just received a letter from our adjuster stating that the scope of loss could not be determined because they are continuing to evaluate. It is now more than 60 days after the wild fire. I read on your website that there are often delays but I wonder if there is some California regulation mandating a response time.
property loss claim spreadsheet - asked again
where can I find an Excel spreadsheet that allows entry of property condition rating and actual cash value -- as entered by the insured? You keep sending me to you 2011 "sample" spreadsheet, which is locked and cannot be modified. Your spreadsheet does nothing with "condition" information to allow calculation of my statement of "actual value". do you know of an open-sourced spreadsheet that does or that can be modified to do so?
Is it legal to rent our own house to ourselves?
Hello, We are in the middle of negotiating with our insurance company. Rather than looking for a new rental home, we would like to rent our own house to ourselves. Is it legal to write up a contract to rent a house back to ourselves?
Home insurance following the Redwood Valley fire, Oct. 9th 2017
My insurance policy, Homesite Insurance Company of California (issued through Geico Insurance, my auto insurers) has set a policy limit of $283,000 to rebuild my home. The true cost to rebuild is around $540,000. What can I do? I would appreciate being able to talk with someone more knowledgeable than myself. I bought the house 4 years ago for $395,000.
my house survived the ventura fire but have questions
my neighborhood is over 50% gone but thankfully my home survived. Our mandetory evac was just listed today. we do not have all utilities yet but can bring people up there with our id. My insurance company is overwhelmed I'm sure and I'm not getting timely call backs. My insurance is Homesite. Am I supposed to arrange for a crew to come in and see if my home is toxic? Or does my insurance? If I am, who do I call?
Extended Replacement Cost Coverage.
I lost my house in the Northern CA Tubbs fire on Oct. 9,2017. Is the Extended Replacement Cost Coverage of the policy affected at all by the fact that this was a natural disaster that was declared statewide and nationally?
Time limit to list contents lost due to house fire.
I lost my home in the Northern Ca Tubbs fire on Oct. 9, 2017. What is the time limit for submitting the list of personal property contents to the insurance company? I have a Farmers Next Generation policy. I believe the policy indicates 60 days but I have heard it can be longer.
My policy does not cover dirt.
My house was destroyed in the Tubbs fire and the site was cleared by FEMA. To rebuild my house will require new dirt in the foundation area. My policy does not cover dirt. Is there a way to classify the dirt necessary to restore the site properly for foundation work so that my policy will cover it. I have a Next Generation Policy with Farmers.
can we cash out on Loss of use when the Limit is not reached
After our House in Santa Rosa burned down at the 9th of October we bought a new house and will not need the temporary rental anymore. Our Loss of Use is not used up. Can we ask for getting the remaining amount cashed out? Thank you for your answer in advance
Red flagging a building in California after fire
In California what is the Law regarding a building being red flagged after a fire requiring our insurance to pay the maximum benefits of our policy. Our home is a total loss. Half burned and the other half suffered significant smoke and water damage. The fire department told us it was a total loss. The insurance company thinks because walls are still standing that we might be able to “repair.” The home is a tear down as it sits.
Rebuilding Question - Waiting to Agree to a Final Number
We are working with the insurance company to get a estimate to rebuild our home. The insurance company has already produced one estimate and given us a check for the "initial" estimate and demo work. But now the company has told us to come back with additional estimates. I am already disappointed that they have shifted the burden to us. Nonetheless, we have a contractor helping us develop estimates as the home is a large custom-built home with high-end fixtures so it difficult to value and we have no other choice. The insurance company's current number is significantly off. It seems they valued the rebuild cost at $300/square foot when comparable rebuild costs in SoCal for these types of homes is much higher based on a cursory online review. My concern is that I am extremely reluctant to begin any work until we agree to realistic number. Because we can't begin a construction project without a budget. What do you recommend in this situation? Is it advisable to wait until we agree on a final number or will the insurance company say that we are delaying (when we are not)? Ultimately, if it takes us months to agree on a final number (which I understand is usually the case) that means we can't begin the rebuild process for months when policies usually only cover 24 months of ALE.
Using temporary housing grant
Can we use our temporary housing money to purchase a property rather than renting?
We started demo in kitchen for remodel 4 days before fire. How does the affect our claim?
We demoed our kitchen, and some drywall and flooring in the living room. Bedrooms and bathrooms still intact. How does this affect our claim, do we disclose this information to our adjuster? All of our new appliances when boxes in the garage. Everything was lost our new cabinets which we paid in fall or in storage and a separate facility. What do we tell the adjuster?
Home insurance using actual cash value
Hello. I filed a claim, the agent sent me the estimate but it's using the actual cash value of my roof. Can they do it even though it's not on the policy? The policy that was in placed when the incident happened does not say anything abou ACV. The new policy came with an endorsement specifically stating the ACV will apply. But again the previous one didn't mention anything about it. Please help me. Thank you
Contents Inventory
We lost our home in the Northern California Fires on October 9th. How are items purchased from garage sales handled in the inventory process? My wife purchased many items this way over the years like jewelry, vases, and other household items. We've found comparable rings, bracelets, charms etc. online on sites like Sundance. The prices range from $28-$80 per item (so we're not talking about expensive jewelry, but she had a lot so it adds up). Since they were purchased with cash at garage sales (for a few dollars), we don't have receipts or other proof of purchase. We have State Farm so our inventory form includes the following categories - Quantity, Description of Property, Brand/Model/Specifications, Item Age, Condition, Cost Each, Documentation. How do insurance companies handle garage sales purchases? What's the best way for us to document these items? Thanks for your help.
Lost my home in Santa Rosa Fire
My policy states - dwelling coverage plus 150% Can I cash out with out rebuilding? My content - I would like my full amount - is it necessary to itemize every item I had - family of 4. Lots to right down How about - I paid for a great policy now I have to fight an prove to get my money after my house is completely gone. Thanks.
Rental lease
We found a rental house after our house burned in the Thomas fire in Ventura. Our Insurance company told us yesterday that they want a six month lease with a month to month after that. The lease is for a year. Our house is a total loss. A smoking pile of rubble. Can they refuse to approve the rent? We have $97,000 in loss of use coverage. Because of the disaster rentals are almost impossible to find in Ventura.
Bank Account for Rebuild Money
Are there any type of specific bank accounts that you recommend using for money received from insurance for the purpose of rebuilding after a total loss fire? My parents are not the most financially responsible, even after losing their home, and sister and I want to make sure that the money they receive from insurance goes only for the purpose of rebuilding the home. Are there any type of bank accounts that can be used to restrict transactions unrelated to home rebuilding?
Fire insurance
For californias basic homeowners insurance when there's a fire what is the least and most amount of time they are responsible to pay your hotel?
Coffey park fire loss of use
Hello, I lost my house in the Coffey park fires in northern ca. My insurance company just told me they would only pay my rent for 18 months. It’s clearly going to take more time than that to rebuild since they havn’t even cleared my lot yet. I was told this was not legal . Is this true?
Why does my mortgage company get to control 100% of the money from the insurance claim? (revised for clarity)
OK, I received a check for $67,000 to repair damages on my house due to Hurricane Irma. The house is not totally destroyed, or even severely damaged. Even if I have a balance on the mortgage, why do they get to control all of the money? And do I have any recourse? Logically, they should only be allowed to control funds proportional to the percentage of the house they own, and regardless of whether there is an existing balance on the mortgage or not. I understand it might be in a contract, but do I have any options? My other problem with this whole process is that while the aim is to eliminate fraud, the initial assumption by requiring all these things is that fraud is going to be committed. How is that proper? Or fair?
Why does my mortgage company get to control 100% of the money from the insurance claim?
I asked this question almost a month ago and have not received a reply. I want to know why a mortgage company is allowed to keep and distribute 100% of the insurance claim money when they do not own 100% of my property? (or in my case, less than 50%) Plus I found out when they release the funds they do so to me and the contractor. How is this fair? Do I have any recourse in the matter?
How do we get mortgage company to release insurance claim funds in excess of repair costs?
We were recently flooded in hurricane Harvey. The flood insurance settlement we received was substantially more than was needed to complete the repairs and return the house to the state it was before the flood. We were able to make the repairs with the money that we received upfront plus a little out-of-pocket. We are concerned the mortgage company won’t release the rest of the funds to us if we haven’t done all repairs stated in the insurance settlement or spent all of the money on repairs. Can they do that? Will they require us to put the money toward the mortgage (despite returning the houses value to above the loan amount, i.e. protecting their collateral)? What recourse, if any, do we have? Thanks!
Personal property inventory
We have friends who are working with public adjusters. They are being told to complete the entire personal contents inventory at once so that an entire “book” can be submitted. Do you recommend using that strategy if one is not using a public adjuster? Or should we submit the inventory piecemeal, as we finish particular rooms and/or categories?
Casualty Tax Loss - Is Carryover to Later Years Permitted
We suffered a catastrophic loss in the recent California wildfires. We are still trying to figure out our total losses in terms of the home and personal property (and dealing with insurance) but the losses are likely to be significant. And now that the end of the year is nearing, I am thinking about tax time. I understand that in a federal declared disaster area, you have the option to take the casualty loss in in the current year or preceding year. But do tax losses carryover? I ask because if I am looking at a tax loss that has to be used this year, it may be worthwhile to do some of end of the year tax planning with respect to other investments. If the losses carryover, then that is one less thing to worry about this year.
How to find a considerate Personal Inventory Contractor?
We have a public adjuster who is in a rush to complete content survey and will trash our personal property in the process. Not acceptable. We won't allow survey until after we have separated and logged recognizable items from the ash and debris. We are approaching completion of this first sort. Now we seek the services of a survey contractor who will work by agreement directly with us to enter our data and other required info to complete, perfect, and submit to our public adjuster for submittal of personal property claim. Not finding this service, any suggestions?
Personal Property
Your sample letter asking the insurance company to waive the requirement of the inventory states in the last sentence that surveys show that companies have waived that requirement. Can you guide me to those surveys? Thanks
I'm doing my parents personal items after the Sonoma fire, my dad is a well known retired biologist here in the community, and he has kept a multitude of research and journals how do I find the cost for this?
Some examples: research journal kept over 20 years on local vaux swifts migration. Second question: How do I assign value to my mothers many photo albums, some with pictures that are antique, and not replaceable?
As a homeowner and GC for my property, when should I be submitting my O&P
Dwelling Advance from Insurance Company
We lost our home in the Northern California Fires. Our insurance company (State Farm) just offered us a 50% advance on our Dwelling coverage. Is there any negative to accepting this advance? Could it impact the final settlement amount that they offer us? Thank you.
tax on loss of use payments
I have been living in an expensive rental since my home fire a year ago. It will amount to over $100,000. It is in the same neighborhood as my home and less square footage. I continue to pay my mortgage which is only $800 a month. Will these loss of use payments be taxed?
Rebuild Process - changes made to home at owners request
If during the rebuild of my home, I choose to make a change that costs more than the original home, do I end up paying for that change? for instance: - Extra square footage, - Add a 1/2 bath within same square footage, - Different roofing material, What if the change actually costs less money than the original home? Thank you
Recoverable Depreciation
What is Recoverable Depreciation and how is it used in the insurance claim process. eg less Recoverable Depreciation
Does the insurance pay O&P to the insured in florida for reconstruction of property and what %
Debris cleanup not covered - Coffey Park
I have a Landlord's policy through LIberty Mutual. They've been great. But they told me the toxic waste is not covered under my otherwise comprehensive policy. This could be a $25,000 - 30,000 expense. Does this sound right?
Can't seem to get a CERTIFIED copy of my policy. Adjustor says the copy sent to me is certified but I don't see that anywhere.
definitions: "separate structures" vs "personal property"
My family lost many outbuildings in the recent wildfires. We have limited coverage for Separate Structures and will hit the limit no matter what, while our coverage for Personal Possessions is way more than we will need. The adjustor for our homeowners insurance listed all our destroyed outbuildings as separate structures including three buildings that were on pier blocks. When we sent the check to our mortgage lender the escrow agent called me and she told me that structures not on fixed foundations would generally be considered personal property. When I looked back at the adjustor's estimate, I saw that he had listed two out of three of the structures in question as being on concrete slabs. We had very clearly told him that they were on pier blocks so that is strange. In reading the policy, it doesn't say anything specific about foundations but it does define Separate Structures as "a. those structures, including buildings and building structures, on the residence premises set apart from the dwelling by clear space or structures only connected to the dwelling by a fence, wall, sidewalk, walkway, driveway, patio, decking or utility line or similar connection; and b. all fences, walls not part of a building, sidewalks, walkways, driveways, pools, pool cages, piers, wharfs, boat docks and spas on the residence premises, whether or not abutting or connected to the building." I have asked the adjustor to correct the estimate but he has not got back to me for several days. I feel like he's ignoring me and I really want to know what our rights are. It would help us cover our losses if these structures were covered as Personal Possessions rather than Separate Structures.
Is mold and fungus the same? My insurance policy has different coverage for both
Interest on holding money by lender
We lost our house and we got checks form our insurance company. We know the lender will hold this money and release it step by step. But, how about the interest on the money? Some of our neighbor got 2% interest from the lender holding dwelling cost money . Is it possible we ask to lender open an escrow and pay us the interest for the rebuilding money (over $500,000) ?
Dwelling money and lender
Hi, We lost Santa Rosa house last month. We received our dwelling money from our insurance company but I have a question for you. Our mortgage amount is $452,000 but the dwelling part of insurance check is $539,000. Is it possible to ask insurance company reissue the check separately? I mean our portion of money ($87.000) and $452,000? Because the lender is going to hold all amount until we have contract with contractor, and it will take time to process the money release when we need it. Thank you.
Medical Letter for smoke damage for family with cancer, baby, asthmatic & NICU child with lung issues
Hello, The fires that ravaged Santa Rosa came within 300 yards of our home. Everything around us burned to the ground. These fires were so hot that metal melted. Fire retardant, mercery from the florescent lights, flame retardants in the furniture, a ton of asbestos, and many other chemicals were released into the air. At 1 am on the night of the fire, my husband and I grabbed our infant, 3 and 4 year old children, and ran out the door. The upstairs windows were all open and the winds were so high that our front door blew open (I did not take the time to lock it, since we could see the flames on the hill behind our home). Our home became a wind/smoke tunnel while the fires raged. We have not been able to return to our home since the night of the fires due to the level of smoke damage and contaminates that is inside our home. Our home has a very high level of smoke damage, and to this day it still smells like an industrial fire was in our living room. We had a Certified Industrial Chemist come test the level of contamination. He explained that soot is much worse than ash, since it has not fully combusted. The soot level in our home is 'Level 3' out of a possible 4. The only level that is worse would be found in a home that had an internal fire. We have been working with two different fire restoration companies, one that tries to get the smoke/soot out of the structure/carpet/couches/mattresses, and another that works with clothing and textiles. Both of them have told us that we should get letters from my asthma doctor, my husband's oncologist (he had brain cancer last year and just completed 12 months of chemo), and our daughter's NICU doctors (her lungs were severely damaged at birth), stating that they feel the cleaning process is not suitable for our unique health issues. Each companies have recommended a total loss for the majority of our items, since they worry about reactions we may have from the cleaning process, but they need a letter to submit with their recommendations to the insurance company. Both of these companies would get $25,000 - $35,000 for their cleaning fees from our insurance company, but they do not feel that is the best option for our family's health. Our doctors want to write letters on our behalf, but they aren't sure what the best things to say and include are. Is there any experience that your company has had with something like this?
Bulking personal belongings
I have been assigned someone from the insurance company who wants to bulk all my personal belongings. I am only 1/2 way through completing my list. I am concerned that I will not recoup my maximum amount if I "bulk. Is this true? I am a North Bay Fire Survivor who was renting. I had a small renter's insurance policy. After I complete and max out my renter's policy I am allowed to tap into the homeowners policy on property I own with my former husband.
Policy premiums after a catastrophic loss
Our home was recently destroyed in the California wildfire. While I expected to maintain my policy during the rebuilding process, I expected a reduction in premium. My agent is saying that in order to keep my multiple policy discount, provide renter's insurance and coverage of liability and materials during the construction my premium stays the same. Building isn't scheduled to start for at least 6 months, why do I pay premiums for a house and contents that I no longer have?
Extended limits
Our policy gives 50% extended coverage on our dwelling in the event of a disaster. Is it true that California law states that limit doubles in the event of a disaster? Many thanks for you response and help.
Personal Property Depreciation
Does CA Insurance Code Section 2051 imply that only property condition, not age, can be used to determine a 'fair and reasonable deduction for physical depreciation"?
Contents of home
Do I have to put date bought if every item? My house totally burned down in Santa Rosa ca fire
Northern California Tubbs Fire, Sonoma County October 8/9, 2017 1) I was denied fema because I have renters insurance. I sent a rebuttal, haven't heard back. I am trying to get a fema trailer. What do I do now to get a fema trailer? 2) I was paid the maximum amount on personal property and loss of use ( which AAA is also calling fair rental value). Should I take it, (on back of check it says " Endorsement constitutes acceptance of the Offer of Payment") or is there any possibility of getting more for 'loss of use/fair rental value' since the rent here in Sonoma County California is so high and fema seems to be denying me.
Insurance Dispursment from mortgage company
We are anticipating ~$1.2M from our home loss in Santa Rosa. We have an outstanding mortgage with Mr. Cooper (seriously the name of the lender) for~$375k. State Farm will only write 1 check (with them named as well). I am told they will disperse $40k initially, 50% when 50% complete and the remainder upon full completion. How can they keep almost $800k that isn't theirs? Further how do I pay the builder if I can only get $40k up front? Thank you.
Personal Property - If I get the used prices can the insurance company still depreciate the value?
My parents are in the late 80's and lost their house and all their posessions in the Tubbs fire. They cannot handle dealing with insurance so I am helping them. I was wondering for personal property, if I get the equivalent used prices of some of the items on EBay, can the insurance company still depreciate the value? Also, most of their furniture they bought in the 1960's (mid century modern and is very popular now), would this be considered antique so would not be depreciated? Thank you for your website and all the useful information, it has helped us immensely, we would be lost without your help. Thanks in advance!
Mortgage co. requiring endorsement of checks from insurance co.
Any way to get around the requirement to have our mortgage co. , PNC, required endorsement of checks received from our insurance co. What do I pay contractors with if I can't cash the checks?
Payment of Coverage A Limits
I am told that the insurance company is going to send me a check for the full amount of the Coverage A Dwelling Coverage (not the extended coverage). They also said that sending the check will start the 2 year clock that I have to be in contract with a contractor to rebuild the home. I have heard I should not accept the money yet so the clock doesn't begin to run. Is there any downside in not accepting the check at this time? Will refusing to accept the check at this time jeopardize any other coverages or limits? Am I obligated to accept the check? I have a Farmers Next Generation Policy.
Getting claim check funds released
Hello, I suffered damage to my house due to Hurricane Irma. My mortgage is, unfortunately, through Wells Fargo. The check is for about $67,000. In addition to all the ridiculous hoops Wells Fargo is making me go through, W-9's etc., they are also pulling the escrow routine. My main question is if I own 50% of my house, why does my mortgage company get to control 100% of the funds?
How does an insurer define "physical loss to property"?
Our insurer rejected our mold claim, even though we have additional coverage for mold, as well as for, "Sudden and accidental tearing apart, cracking, burning or bulging of a steam or hot water heating system, an air conditioning or automatic fire protective sprinkler system, or an appliance for heating water". The a/c repair man, as well as the claims adjuster and the engineer who investigated the claim (both hired by our insurer) attributed, in writing, the cause of our mold to tearing of the attic duct work tape. The insurer claimed that they would not cover our Section C loss from mold because, "the claimed loss and damage and the mold was the result of humidity and condensation. There was no physical damage, therefore, the mold is not a result of a covered cause of loss". Can you please explain why they are rejecting our claim? Thank You
Settling the Dwelling/Structure portion of insurance claim
Our Dwelling/Structure adjuster wants to meet and give us a check - we lost our home in the recent Sonoma County fire. He has not specified the amount, but in a previous phone conversation he indicated we had exceeded the limit our policy allows. All seems to have gone smoothly, and we have no reason to feel we have been treated unfairly. Still, are there any recommendations, questions we should ask, before we accept his offer. Also, is accepting the check a binding contract? Thanks very much!
Dwelling Limit
My home was destroyed in the Tubbs Fire. A claim was filed with my insurance company and I have received a settlement for my dwelling. Now that there is no existing structure on my land, I don't see the need to maintain a high Coverage A limit. My insurance broker advised me to lower this limit and to consider raising the limit once construction begins. I don't intend to store any personal property on the lot until construction is complete. Would lowering my Coverage A limit now be a reasonable move to help manage my insurance premiums? Thanks
Does irrigation belong in section A (dwelling)?
Greetings! Our house was destroyed in the recent Santa Rosa fire. Our adjustor put all our irrigation estimates (labor, pipes, valves) into section A, because it is branched off the water pipe that leads to our house, and therefore considered as being attached to the dwelling. We are almost certainly underinsured and will need all of our section A coverage to rebuild the house, but have lots of unused funds in section B (outside structures). Is it standard practice to put irrigation costs into section A, or are there any arguments why it should be in B? Thanks! Martin
Meeting 11/15/2017 Details
What is the time and location of the meeting tonight in Santa Rosa, CA -Nov 15, 2017?
Settlement monies used for Relocation vs Rebuild
I have asked my Insurance company if the full amount of Coverage A plus 50% (Limited Home Replacement Cost Endorsement) can be used to relocate instead of rebuilding. Their initial response is no, that if I relocate the settlement amount I am entitled to is restricted to the basic Coverage A amount. I have read the California Insurance Code 2051.5(c) and it seems to indicate that I am entitled to use the full 150% of Coverage A for relocation. What is the right answer? Has this been tested? What is the precedent?
loss of use
I live in St Thomas. My house suffered substantial damage from Irma and Maria. It is a two level house with a 3rd level apartment. The upper level is missing the roof and the bottom level apartment is pulling away from the main structure. I am currently living on the 2nd level. When I bought the house in January I had planned on returning the house to the previous layout of 3 separate distinct living spaces to help with the mortgage and homeowners insurance. The 2nd level had already been zoned as a separate living area but was added to the main house by the previous owners. I removed the spiral staircase between the 1st and 2nd level and had contractors scheduled to come back to repair the opening. Earlier this year my parents decided they were going to move here. My father has Alzheimers disease and responds well to me. I was going to help my Mom care for him. My parents sold their house in Colorado, bought plane tickets and hired movers. They were to arrive on island October 1st. We decided ahead of time they would be paying rent and we would have a written agreement drawn up. As a result of the storm I was forced to move to the 2nd level. Had the house survived intact this would not have been a safe place for them. I would have still rented out the 2nd level to someone else. My agent said I could not claim loss of use because I had no lease already in place for them. Is this correct. Please advise.
Replacement Cost Coverage
How do I find out whether my homeowner's policy provides replacement cost coverage?
Offset from Metife from SSDI
I am getting LTD from Metlife. I became approved for SSDI. I received back pay from Feb. 2014 to Feb. 2017. Now Metlife is requesting an offset from me , and im afraid of going to jail because i had to give 15000 of 33000 to a debt that had to be paid because of a legal debt. I only have halve of this money to pay back. What is the penalty for not paying the entire amount.
My family lived in Fountaingrove and like our entire neighborhood, we lost our home and escaped through flames. Is there any recourse if we are underinsured? We rely on the expertise of the insurance company to advise us and give us the best plan for our house, just as my patients rely on me to advise and give them in the best care. I’m held accountable under many laws. Is there any way to hold the policy makers accountable? It just makes no sense to me that my neighbors with the same exact house are insured for almost double. We were not trying to save money on our policy. We just took the advice of our agent as to what we needed for coverage of our home. With building costs estimated now at $600-700 a square foot, we will likely not be able to rebuild. This adds insult to injury. Many thanks for your time.
Dwelling Extension Coverage
We lost our home and all outbuilding structures in the Northern California Fires. Our outbuilding structures included a horse barn, pool, pool house, sauna house and garden shed. Our adjuster sent us a letter saying Dwelling Extension items may include detached garages, fences, driveways, sidewalks and other similar structures. Questions - 1) Do swimming pools and surrounding pool entertaining areas fall under Dwelling Extension? They are connected to the main house by utility lines and fencing. 2) Are we able to allocate how we use our Dwelling Extension settlement (fixing the pool will be expensive so can we decide to use more of the money to fix the pool and not rebuild the barn)? 3) If we decide to buy another house instead of rebuilding, it's our understanding that we can only use money from Coverage A Dwelling and Option ID Increase Dwelling toward the purchase of our new home. Since the Dwelling Extension amount doesn't 'go with us' can we still use that coverage amount to fix up our burnt property - fix fencing, the pool, the barn, driveway, etc. We plan to hold the land for a while before selling it. Thank you.
Coverage B Personal Property
Our insurance company has offered to give us a 30% advance payment towards our Coverage B Personal Property limit. Are there negatives to accepting this advance? If we do, will it make collecting ALE/Loss of Use reimbursement more challenging (meaning if we take the 30% will the insurance company be more likely to say an expense falls under Coverage B when we think it's ALE)? Our policy provides replacement cost coverage for most personal property. It says until repair or replacement is completed, the settlement for personal property will be based on the cost to repair or replace the item less depreciation. Does accepting the 30% advance impact how the insurance company handles this process? We don't need the 30% at this time but we're just trying to figure out if it's best to accept the advance now or wait until a total settlement is offered (after we submit our inventory). Thank you.
Insurance claim for loss of income for my small business during & after Sonoma fire disaster.
My business insurance carrier, Hartford, is denying my claim for loss of income at my place of business in Sonoma during & after the fire disaster. Is it better to continue pressing them, or should I go to the Insurance commissioner & file a complaint?
A check was given to us from insurance company ( house destroyed in Nunns Fire Sonoma) . The check is a a rebuild check and it was substantially over what we owe on the mortagage ( we owe aprox. 175000,the check was 500,000 plus it is written to us and mortage company.) We are rebuliding and will use itbut do we have turn it over to them. The insurance company said we neded to .
joint check from insurance co.
Approx. 3 weeks after the Santa Rosa wildfires Nationwide Ins. issued a joint check for 75% of the dwelling limits. How do I get a check that is not a joint check with the mortgage co.? If my only choice is to get a joint check what are my options when dealing with the mortgage company?
Partially damaged structure that needs to be torn down before being rebuilt
I have two areas of my home that were partially damaged due to the Northern Calif Wildfires. I bought the home in March 2016 and insured the dwelling and other structures heavily because it is old and on a slope; rebuilding would be expensive. The original home was built around 1930 and over the years there have been several add-ons and repairs done. Some of the additional square feet, and most of the repairs are not recorded as being done with permits. That could be a record keeping issue with the county or a do-it-yourselfer performing work with his buddies and never pulling a permit; probably a little of both. My builder said that the damage to the garage and to the damage to the deck would require the pulling of permits and that the existing structures should be torn down. the entire garage and the entire deck will then have to be rebuilt from the ground up. The deck is 1300 square feet, two levels, on a slope - not a small job. In addition to those issues parts of the house where the deck will need to be attached have weak footings and that area is followed by nonconforming and/or nonexistent foundation (crumbled). Like I said, the original house was built in 1930. I have only $163,000 in code upgrade coverage which is all I can get given that it is calculated as a % of the Coverage A dwelling. My dwelling is insured for $638,000 with a 150% replacement cost increase. I also have $78,000 other structures and added $104,000 for my pool brining other appurtenant structures to $184,000. My question is this: If the garage were on a solid footing the repair might only be $20,000. Tearing it down, building a new foundation and garage on a slope could easily cost $150,000. That's a difference of $130,000. The deck repair (if the footings and structure were sound) would run about $30,000 but with tearing down could be $80,000. That's another $50,000 difference. Already I've exceeded my ordinance and law / code upgrade policy limit and I haven't even started on the rest. It is somewhat conceivable given the state of the foundation on this home that the additional repairs that would not be required if the structure was more sound could run anywhere from $300,000 to tearing the whole thing down and rebuilding. I am very concerned that although I did my level best to not underinsure my home I may in fact be underinsured because of potential code upgrades to a very, very old home. I spoke at length with my agent about this when I bought the coverage. (insured by CSAA). In fact I increased my coverages twice with him in the first year because I learned of the high cost of rebuilding there. My questions: Am I calculating my coverage correctly? How do i calculate code upgrade repairs? If the code upgrades far exceed the cost of the repair am I going to just have to have my home red tagged and be stuck with it? I don't have the money to throw in a couple hundred thousand to make repairs.
Refusing to put info in writing
Our adjuster is verbally telling us what we are/are not covered for, and time frame for coverage, in regard to erosion control and the possibility of erosion in the future. (We are involved in the northern California fires). Good info. However he has been told he is not allowed to put that information into writing for us. Why would that be and is it legal?
Ordinence and Law coverage for a rental house HO-277 (Ed. 01-79)
Recent fires, total loss. Below is the wording of my Ordinance and Law coverage. My adjuster says that the last line - "All other provisions of this policy apply." means that the coverage comes out of my dwelling A coverage (thus reducing it). The wording is unclear to me. does this seem correct? I would sure like it to be "in addition to" the dwelling coverage as mine will be maxed. For an additional premium, loss for damage by a Peril Insured Against to the dwelling under Coverage A shall be settled on the basis of any ordinance or law regulating the construction, repair or demolition of the dwelling. All other provisions of this policy apply. Copyright, Insurance Services Office, Inc., 1979 HO-277 (Ed. 01-79)
Insurance for California Wildfires
I just lost my house in the California fires. The insurance gave me the full value of the structure, but I have a question about the extended replacement line item. I can get an extra amount if I rebuild. The claims adjuster said I only get this after I have finished rebuilding and present quotes from contractors and bills proving I needed the money. Is this true, or can I provide a quote from several contractors showing I need the money to rebuild and get the money when I start rebuilding? With the obvious understanding that if the rebuild takes less than that amount I have to repay the difference. Thank you for your time.
Structure check from Insurance company
Can I get my insurance company to write me 2 separate checks - one for the outstanding mortgage amount and another one for my equity?
Loss of Use
We had a total loss in the Tubbs fire. We are very skeptical that we will be able to replace all of our contents with our full coverage limits. Until we know exactly how much money we will get from our personal property coverage we do not want to buy anything that is not absolutely necessary. For example we do not want to buy replacement snow skiing clothing and equipment only to find out later that we ran out of coverage and we can't buy a refrigerator. Are we able to rent items that were lost and then claim the rental expenses on our loss of use coverage?
Which insurance companies are requiring inventory lists post the disaster?
It is so difficult to recreate your contents after the fact. By requiring the inventory, does that mean that the particular insurance company will only reimburse for those items on the list?
what should I do if I suspect that the insurance agent underinsured my dwelling?
I am concerned that my insurance agent did not accurately document the square footage of my dwelling and the amount necessary to rebuild in spite of the fact I indicated I wanted to be sure I was fully insured to rebuild if necessary.
Coverage D - TUBBS fire victim
We are a family of 4 displaced by the TUBBS fire. Our destroyed home was 5 BR, upscale furnishings. We are now living in a 3 BR place with much lower quality furnishings/appliances, spending very little relative to our unlimited policy limits for coverage D. What is the best way to interact with the insurance company to potentially recapture "their" savings? Since it's a reimbursable coverage we can spend 20k per month by moving but would rather stay put and receive a larger advance. Illogically, the insurance company will pay a 20k lease, but not a 12k advance...etc.
Insurance and architect/structural engineer
Is architecture/structural engineering built into the structure portion of our policy for a complete rebuild or does it have to come out of pocket? We have an extra 10% built in for ‘code upgrades’ but not sure about architect, etc.
Debris Removal In Scope Of Loss
Is debris removal generally a line item in scope of loss? My policy says that I have 20% for debris removal that kicks in IF we exhaust coverage A. Essentially, I want to verify that debris removal itself counts as part of the calculation of exhausting coverage A so that it is covered, even if the construction costs alone don’t exceed coverage A. Thanks
Debris Removal and Insurance
My policy describes my debris coverage as follows: “This expense is included in the limit of liability that applies to the damaged property. If the amount to be paid for the actual damage to the property plus the debris removal expense is more than the limit of liability for the damaged property, an additional 20% of that limit of liability is available for debris removal” My question is what are the implications of it being worded this way? This has to be beneficial to the insurance company, and I’m trying to figure out how so that I understand the implications. I’m inclined to think about it as if I have up to an addional 20% to cover disposal. I expect to exahaust my coverage A, but even if I didn’t where is the flaw in thinking of it this way? Does it seem to you like there is any way, I end up having to foot the bill for disposal if its less than 20% of my coverage A? Does it seem to you that there is any way my disposal costs will leave me with less funds to rebuild as long as they are less than 20% of my coverage A?
dwelling coverage A
My dwelling coverage A- 513,200 + 50% = 769,800 How can I get CSAA INSURANCE EXCHANGE to give me 769,800. My house is valued at 950,000+.
Understanding our Maximum Policy Amount
We lost our Santa Rosa home in the Tubbs Fire on 10/9/17. We are reviewing our State Farm homeowners policy and it contains multiple endorsements that appear to increase our Dwelling Limit such as inflation, increased dwelling limit, ordinance/law updates, shrubs/trees, etc. I do not feel confident that I understand what our true maximum policy amount is and I want to ensure we are paid what we are contractually due. Is there a type of lawyer or service available to help consumers review their homeowners contracts and help them understand the maximum policy amount? If so, can you please share this information. Thank you for your time and help.
insurance checks
We had a complete house fire in Santa Rosa. I have received 2 checks I'm hesitant to cash from our insurance company. They are a percentage of Part A dwelling and Part C Personal Property. The reverse signage portion of the check says "endorsement constitutes acceptance of the offer of payment" Should I deposit?
Would it be better to pay off the existing loan and then get a construction loan to rebuild? Would there be tax consequences for repaying? I am in a position to pay off the existing loan but I would need a construction loan to rebuild.
how do I fill out a proof of loss
Harvey Flood insurance RCV payment
Our flood dwelling policy meets the qualifications for RCV coverage of our flood claim from Hurricane Harvey. We were under the impression that the amount in excess of the ACV was payable only if we provided proof of repair costs. We have not yet repaired the house and are considering selling "As Is" . However, when we received our claim check it included the full RCV amount. Will we be required to refund the amount in excess of ACV to the insurance company? Or is there some reason we would receive RCV without doing the repair?
Homeowners Loss of Use
My home was a total loss in the Northern CA wildfires earlier this month. I am trying to get into a rental that requires a deposit. My insurer is stating that the deposit should come out of my personal property portion of my policy, yet I feel it should come out of loss of use. What is appropriate? Is this a Department of Insurance rule or can carriers make their own policies regarding this?
Paying off mortgage of destroyed home?
We have a mortgage of 207,000. left on our home that was total loss with the California fires. Our insurance agent wanted a payoff balance. Another neighbor is not paying off his mortgage. Our coverage is 377,000 which will nearly cover replacing our home! We need some guidance in what is the best way to proceed ...Do we payoff the mortgage and then do we get the balance of the coverage for rebuilding and take out a new loan??
Santa Rosa Wildfire Purchase Replacement Instead of Rebuild
I am seeking clarification regarding insurance settlements when the insured elects to purchase a new home instead of rebuilding. CA Insurance Code 2051.5 and UP both seem to corroborate that extended replacement cost can be applied to purchase the new home. My question is whether if have to conclude a purchase and sale agreement first, and then get reimbursed by insurance co. or whether the insurance co. will fund the purchase through the escrow? Does telling your adjuster early on that you don't plan to rebuild harm your prospects in terms of getting a fair settlement?
It's been 2 months and my mortgage servicer still hasn't endorsed my house insurance claim
I had water damage in my condo, the claim was paid by insurance company. Di-tech sent the checks out in the wrong format.I sent them back certified return receipt.They told me Oct 19th that they were sending them out. It's now November 2, 2017 and I haven't received anything from them.
My claim to CSAA
I have asked for mileage reimbursement (loss of use) for distance from my new rented home to my fire destroyed home. I asked for the I.R.S. rate of 54.5 cents per mile round trip for 4 days per week. CSAA responded in writing "the Personal Vehicle Mileage Reimbursement Rate for 2017 is $0.17 (state-approved relocation)." This isn't going to cover the additional cost of using my vehicle (GAS, oil changes, tire wear, maintenance, etc.)
This is mysterious to me - though quite simple. Why can't I just get a lump sum of my ALE and let me work out the details? These people who live with their relatives, why can't they just get a rental agreement with the relatives and have them paid the monthly fee for the rental?
Temporary living options
We lost our home in Santa Rosa Oct 9th in the firestorm. We were able to find temporary housing through the end of January. Looking at options after January. One option we would like to pursue is moving into a rental property in Santa Rosa we own jointly with my wife's sister. The rent on this would be significantly lower than what we are entitled to .Floated this idea past our State Farm agent and she said they probably would not allow this because we partially owned the property. It is an extremely tight rental market and think they should consider this. Is this something they should/could allow?
Building settlement
We are survivors of the Sonoma County, CA wildfires. Our adjuster wants to advance the policy limit on the building, plus the additional 5 percent for debris removal. In addition, he will give us another $18k for outside structures, which appears reasonable, and $18k for trees, shrubs, etc., which again appears reasonable. All of this feels fair. What am I missing? The replacement cost coverage and personal property amount are still "under construction."
Smoke damage experts
Suggestions for smoke damage experts for a house
County of Sonoma Debris Removal Program - what if we don't rebuild?
Our home was destroyed in the fires on October 9 and we have not yet decided if we want to rebuild or buy. We are trying to figure out what to do about the debris removal. Our insurance company recommended using ServPro or Service Master. Our Policy doesn’t state a specific dollar amount allocated for debris removal. It says "we will pay the reasonable expenses you incur in the removal of debris of covered property damaged by a Loss Insured. This expense is included in the limit applying to the damaged property." We’re concerned that if we use a private company the cost of the clean-up will come out of our total insurance settlement amount, leaving us with not enough money to rebuild with or buy a comparable home. Our concern with the County Debris Program is what if we decide we’re not going to rebuild? The Right of Entry permit states “in the event that coverage for debris removal, or any other similar coverages, are not provided on the basis of a specified amount but are included within another coverage category, payment to County shall be limited to the unused benefit amount (if any) in that coverage category after the residence is rebuilt, after which Owner shall not be liable for further costs to County.” Then we found this on the City of Santa Rosa website under FAQs: The Question - If I opt into the Consolidated Debris Removal Program, and I have insurance but I decide not to rebuild, will I have to pay for the costs of the debris removal? Their answer - Generally, no. If the insurance proceeds you received did not include a specified amount for debris removal you will not be responsible for any costs associated with the debris removal. For more information, contact the Department of Insurance. The “generally, no” answer concerned us (we are looking for more confirmation that we won't end up getting a huge bill if we don't rebuild) so we called the Department of Insurance. They didn't have any further information on this. How do we get an answer about this (in writing from someone) so that we're protected? We are leaning toward not rebuilding (we might want to hold the land for a while and buy a home elsewhere) so we really need to know what direction to go in when it comes to debris removal. Thank you, we appreciate any help and information you can give us.
Advanced money for building
Insurance company issued advanced check for contents and building. We are willing to accept the money for contents, but do we have to take advanced money for building too? If we receive the building money, do we have to pay off the lender first? And do we have to deal with all the payment by ousrselves? Is it necessary to make a new bank account for these money? Give us a good advice, please. Thank you.
HO28 Limited Home Replacement Cost Endorcement
If I do not inform my insurance company of a remodeling project that was completed several years ago, does the HO28 coverage (150%) still apply?
Personal Property Claim/Inventory List
Our home and all of its contents were lost in the Santa Rosa Wildfires. We are insured through AAA, but the personal property portion of our claim is being handled by National Vendor, a third party company. They are being unclear about the personal property claims process, and have only told us to create a list of all that was lost, and that the list will be discussed via phone call. The list is extremely large (four individuals lived in this home for 30 years), and we are unclear how we will be able to share a detailed list of all the items lost over the phone. We have asked for more information regarding this process, but they have been resistant to sharing any further details. What are our rights with this?
Accessing photos online from your app
How do I upload the photos of my home inventory from the app to your online website?
ALS or contents?
I am in Santa Rosa. Signing lease. SF insurance says I need to pay deposit that includes last month rent. They say it comes out of contents, part b. I think it is ALE. Not an expense I would have incurred since I owned my home prior to fire. Deposit includes pet fee, cleaning and last months rent. Shouldn’t the insurance pay that out of ALE? Thank u!
AlE( alternative living expences)
Our policy states that they must cover expenses while out of our home. The road to our home has been closed for 14 days. We nor can any adjuster access the property. The mobil Allstate adjuster told us that they are only responsible to pay us for 14 days of living expenses, even though they can not nor can we access our property. We are in Northern CA and we are under mandatory evacuation. We have been staying at an acquaintance home. Our insurance company has not secured us housing and has only provided $150.00 per day lodging to our account. A hotel would cost more! We need to get out of these folks home and were told if we found accommodation they would be paid for. But today, the 14th day, we were told that they would not be responsible for any more cost until they inspect, the uninspectable property. Even if it is livable, we can't access it. We do know there is no power/we are on a well, and severe smoke damage. We have a disbabled son with a very serious lung infection. Hospitilized 4 days after we were evacuated. We need housing but are afraid to make a commitment we cannot afford, Allstate wont cover cost. Again they state that they are not responsible, even tough access is prohibited.
home inventory app to be downloaded
where is the home inventory app on the web site to be downloaded? I can't find it? Bob Garber attorney.garber@gmail.com I also can't change my password because I can't get past the first box or enter a new password to change a password that was never set up to begin with.
Insurance Advance for Sonoma Fires
My father's insurance company is advising him that he has a contents cap in his insurance policy and they will give a 28K advance, but the money is only available until 3 pm pct today. Is this time limit normal? Will accepting the advance preclude any further negotiation for more money?
House destroyed by fire in Coffee Park Santa Rosa
Our house was destroyed by fire in Coffee Park Santa Rosa. Our address was: Questions: 1) What should not be said to our Homeowner's Insurance carrier? 2) What should not be said to or done with FEMA? 3) Will the existing ins. carrier quickly payoff the loss payee? Realistic payoff Length of time? 4) Our 2nd lien holder is not listed as a loss payee. Is there anything that we should do to avoid the current 2nd lien holder from being paid off by our Homeowner's ins. carrier? We have a dispute with the current 2nd mortgage company. 5) How do we prove having our prior possessions, when requesting Homer Owner's ins reimbursement? 6) How long do we have to provide a complete list of prior possessions? As the need for prior possessions is realized, we will remember having the possession. 7) Will the ins. co. reimburse without purchase of a replacement?
Using a rental home that I own
I have a rental house that is about 45 minutes from our house that was destroyed. We were almost done with a major remodel on it and so we have no history of income. It is much smaller and far less valuable than our house that was destroyed. If we decide to live in the rental, will we be able to collect temporary housing money from our insurance?
Dwelling insurance settlement
We just lost our house to the Tubbs Fire. Our insurance company wants to write a check today for the total amount in our dwelling portion. They haven’t seen the property as we are still not allowed in. We are unsure whether to accept this money now as we have 30% clause on the dwelling costs.
Homeowners Ins Coverage
Hi, We have had a policy for a decade with no claims with Liberty Mutual. We've been informed that as of Dec. 1st they will no longer insure us because we are in a "high fire corridor" We need help. Any advice or suggestions as to what company would offer fair covg?
Santa Rosa Firestorm
At the moment I have no specific question. However, I would like any advice on what steps we should be taking. Our home was in the Coffey Park neighborhood of Santa Rosa and was incinerated in the recent firestorm. We have a claim number from our insurance company and are beginning this arduous process. I welcome any advice or recommendations you may have for us.
Can only the homeowner/occupant file a claim after wildfires?
Hello! Ten days after we sold our house to a new owner and moved out, it burned down completely in the California wildfires. We had not yet cancelled our insurance policy on the home. We believe the new owner had his own policy on the home, because he bought it with a mortgage so he was probably required to have a policy. Our question is: does us simply having that policy open and paying the premium mean that we can file a claim because the house was destroyed, even though we did not own the house at the time of the fire and our possessions were no longer in it? Or is only the legal owner of the house entitled to file a claim? We have never filed an insurance claim or sold a house before, and are just not sure if us simply having the policy means we file a claim, or if only the person who owned the house at the time and truly sustained the losses of property and possessions does. Obviously we would never want to do anything that would impede the new owner's claim, or be dishonest or fraudulent. We just only know the very basics of how insurance works (pay our premiums in case something big happens) and don't know this level of detail or technicality! Thank you very much for your help, we appreciate it!
Property cleanup after fire and common access
Our home was completely destroyed in the Tubbs fire and were underinsured, primarily due to our insurance agent pushing back on the insurance amounts despite our best efforts to have higher insurance amounts. Is there anything that could be done about that now? Also, there is a lot of debris and clean up on the property, is it the responsibility of our insurance company to clean up? Lastly there is a bridge to get to our property that is no longer standing, is the insurance company supposed to fix it for us to have access to our home.
When to start rebuilding
Hi! We were hit by the Nuns fire in Sonoma. We are on Warm Springs Rd in Glen Ellen. We were able to access the area on Tuesday. All houses around us (all direct neighbors) were lost. Most houses on our street where also lost. We haven’t been able to go back after Tuesday (today is Sunday) as continued and new fires raged through the area. On Tuesday, the main structure was magically unharmed. No damage. We removed our priced art, restores water and sprayed it all down. What was lost are: - the entire fence around the property (it’s 0.6 acres, and about 700-800 feet of fence line) - our laundry shed - everything in the laundry check: wine collection, refrigerator, washer, water heater, many many personal items, clothes and memorabilia. - the large row of greenery that I had planted towards the front to line the street - Oleanders - parts of our vegetable garden, like a bee hive, planter boxes etc - probably four rows of vines (we had planted a small little hobby vineyard two years ago for our wedding) - various larger trees (oak, olive) The house served as our weekend retreat, and also provided income through vacation rental. I have a commercial insurance through Western World. I have two questions: 1) What advise do you have in approaching the lost business income claim. It will take at least two years for people to visit again and have vacations there. I have already been asked by the insurance to gather documentation about past income. 2) When to start rebuilding. I have an insurance adjuster coming out to meet with us this Thursday at 9am. I have also already two contractors secured to start debris removal and rebuilding of fence line. I have a quote for the shed to be replaced at about $7500. I have not started a list of items lost and haven’t started replacing them either. Any advise on how to handle, what to provide, what not to do and how to approach the insurance and our claim in general would be much appreciated. Thanks, Georg.
Ordinance Law and its enforcement by City Inspector
Policy shows coverage of 10% for Ordinance Law or code upgrades. Loss was water damage due to pin-hole in water line above the slab. Damage was to bathroom and kitchen plus the hallway where the water heater was located. City inspector required code upgrades due to electrical which were denied by insurance due to electrical not being part of the covered loss and so any code upgrades to the electrical in the house does not apply. If enforcement of the electrical by the city inspector, how do we pass inspection if the upgrade is not completed? Areas covered in the damages were bathroom and kitchen, I don't understand if the policy has the coverage in part A, how can that be denied. The denial was based on the electrical upgrade was unrelated to the water damages that were sustained in the home. As a result no coverage could be extended the electrical upgrades required by the city inspector in his letter to our contractor. Denial was also based on our policy not covering preventive repairs or maintenance within our home. Also water leak failure was determined to be due to wear and tear of the lines which is excluded by the policy, so no replacement of water lines under slab was provided which were determined to have another leak. So reroute of water lines plus electrical upgrade was denied. I don't understand why if in the policy we always thought we were covered.
Loss of use.
If my loss of use to my house is due to flooding from Hurricane Irma will my home owners policy pay since my flood insurance will not.
Bank loan and insurance payment on Napa fire
If I am paid $1.3 M for the loss of structure, and 500,000 for the personal property and I have a home loan of $1.3M, what do I have to pay the bank if I decide not to rebuild? Do I have to give then anything that I get for the personal property part of the claim? The land is 35 acres.
Home destroyed by fire
My insurance company is offering $350,000 for my structure. Do I have to rebuild or can I take the money?
Advance Payment for Flood Damage
Does my mortgage company have the right to control my advance payment check. I was told that they would only allow a portion of check to be disbursed to me.
Homeowners Insurance
Our Homeowners insurance has been cancelled twice in the last 10 years due to our zipcode being considered located in firestorm area. We fear this may happen again and our agent is at a loss. Suggestions?
Home burned down in Santa Rosa
Need help on where to start. I have Farmer's Insurance and have opened a claim but have heard nothing about how to move forward. "The Basics" is what I am looking for.
Contents insurance - Hurricane Harvey
I have flood insurance through USAA. It is for contents. My structural flood coverage is through my condominium homeowners' contract. My question is: what is your suggestion regarding my contents list. I have heard that it is better not to list amounts that total to maximum coverage. Is this true? If yes, why? Thank you.
"Significant Damage" Designation Impact on Insurance Settlement
I live in Houston, TX (Harris County) and my home was flooded during Hurricane Harvey. I live inside the 100 year flood plain and my lowest finished floor is ~2.5ft below the BFE. Based on the quotes received from contractors, the damage well exceeds 50% of the home value and will be declared significantly damaged by the city. As I understand it, I am therefore required to elevate or demolish my home and cannot make repairs. Because I cannot repair, can I push to have my home declared a total loss and receive the maximum settlement from my NFIP policy?
Harvey NFIP laim - Use of settlement for rebuilding rather than repair
I have a NFIP policy through USAA. My adjuster has yet to come back with a settlement proposal on the dwelling but I anticipate that it will be less than or equal to the two GC estimates that I have for ~$110K. The 2017 pre-flood tax district appraisal for the improvement is $224K. Would I be able apply whatever settlement I get for repairs to instead tear down and rebuild the house? At what $ amount would the house be considered uneconomic to repair? If it is deemed so, would I be able to apply the full $250 limit towards tearing down and rebuilding? My real concern with repairing rather than rebuilding is that the house was submerged for ~10 days with up to 30” of water (courtesy of the Army Corps.) and I doubt that the gypsum board moisture barrier behind the brick veneer will ever be properly mitigated for mold without removing it, which would require removing the brick veneer. The language in the policy is vague and I have been unsuccessful in getting law offices to respond. Thank you.
Harvey flood loss - Replacement Cost vs Actual Cash Value
The 2015 SFIP Replacement Cost terms require repairs actually be made. What if I want to sell As-Is? Does that relegate me with Actual Cash Value? My home was built 60 years ago. I've owned it 11 years. Substantial renovations were done 10 years ago. How would I estimate depreciation in that case? Better yet, can I assign the insurance proceeds to a buyer that's committed to repair and still get Replacement Cost?
Additional living expenses
The insurance company put me up in a hotel room with a kitchenette no oven and no dishwasher because of health issues I can only eat baked Foods will they cover my restaurant bills?
I have a kitchenette but no oven and because of a heart condition I can only eat baked Foods. will the insurance company still reimburse my restaurant bills
Flood maps
I just flooded in Houston, was permitted to rebuild, and am considering whether to repair or sell. I know my exact vertical elevation. My current flood insurance declarations page reports that I am 2 feet above base flood elevation. That estimate is very wrong. I'm getting a great flood insurance rate but my actual risk is much greater than my premium indicates. I'd like better information than FEMA's Flood Map Service Center, https://msc.fema.gov/portal. Do you know of any source, government or otherwise, with a better analysis than FEMA publishes? FEMA's information tends to miss about 75% of the homes that actually flood in the Houston area. I'm not confident about repairing or even buying another home. I don't care if I'm insured. I just don't want to flood again, insured or not.
Question about Matching with Farmers Insurance Repair cabinets policy
I had a water pipe burst within the walls of my kitchen. My Farmer's insurance is willing to replace the floors, affected drywall, backsplash, countertops in it's entirety. The cabinets I'm told however are to be repaired instead of replaced based on my policy. The adjuster's estimator thinks it's okay to only refinish/repair the 5 cabinets that were affected, but now I'm concerned about matching issues with my Kitchen considering that everything is going to be replaced. I've tried to argue this with my adjuster but I haven't gotten anywhere with her, she keeps pushing me to cash out if I'm dissatisfied with the estimate. Are my concerns valid, what can I do?
Sample Letter Requesting Extension from Insurance Company on Contents Settlement
Hello, I am not able to find a sample letter to insurance company requesting extension for Contents Settlement. Would you please send me a link? Thanks Update 9/26/17: No the links you provided do not help. The examples you provided in your Answer are already available in the UP library. The reason I submitted this question is because none of the sample letters in the Library address the specific scenario I submitted in my original question. Tina
Reimbursement for Claim Preparation Expenses
In reading UP's Reimbursement for Claim Preparation Expenses it leads me to question whether Insurance Companies will reimburse for fees charged by a Private Adjuster. Can anyone provide any guidance on this topic http://www.uphelp.org/pubs/reimbursement-claim-preparation-expenses Thank you
Fire Claim
What is the typical time to settle a fire claim? My claim has dragged on for five months and the insurer is not paying loss of use.
Assignment of Benefits After Hurricane Irma
I live in the path of Irma in Florida and suffered damage to my property. Since the storm and never before, there has been tons of articles in the news, social media and tv commercials playing here in Florida warning consumers about signing Assignment of Benefits agreements with contractors because you'll get ripped off and make a mistake. I have a contractor that I've used before and known for years that says it's been an accepted practice for decades for emergency services. Are the insurance companies just trying to save money? Please explain detail because it seems like a big coordinated PR push from numerous insurance companies saying basically the exact same thing. Thank you for your help!!
How to get ACV?
How to get ACV amount to fix everything the adjuster says. Didn't provide enough money to fix. Are on limited income and don't have extra money. What can we do? In Hurricane Harvey .
Reading ALE - What if we buy a new property while staying at a rented apartment while our fire struck house is getting restored - Will ALE still pay the amount they are paying for rent now if we plan to move to the new house?
We were out of town during a long weekend and had a house fire due to lightening that gutted our entire kitchen and the entire house had extensive smoke damage. Our insurance company put us in a hotel for 3 weeks and after that at an apartment that they separately furnished. We wanted the apartment to be at walking distance from work so that we could be less stressed. We have been living there for almost 2 months now and the lease is for another 4 months and after that on a month to month basis if it takes longer for the house to be restored which probably won't be the case. During these 2 months, we realized how wonderful it is to be near work and walk to workplace and therefore have been tempted to look at houses nearby and are considering it a great possibility to finally moving closer to work. We might end up selling our house or renting it once it is restored. Incase we plan to go ahead and buy a house while our house is getting restored and terminate the apartment lease- will ALE pay for our monthly rental expenses what they are paying for our apartment now so that it can help us cover a part of the new mortgage cos otherwise we will have 2 mortgages on us then. What if we pay the fee for early termination of lease at the apartment, shouldn't it be ok? Will they pay for the moving- from apartment to new home of the furniture they furnished? I am assuming there won't be any problem in the final delivery of our cleaned salvageable contents to the new property and purchasing/ delivery of the replaced items at our new property. Need your guidance please as we are serious about buying a place closer to work and unfortunately we can't wait till the house is restored. Thanks in advance.
Harvey flooded porcelain floor tile
FEMA is denying my claim to replace my flooded porcelain tile floor. I have found several hollow and detached tiles, and expect to see more. Water continuously in the house for more than 72 hours. The thinset mortar used was water based. Will FEMA pay for a tile expert to analyze damage, or can I pay, and claim this as an additional expense?
Financial Assistance in Raising or Rebuilding Home after Harvey
Our home flooded (2-3 feet of water) during Harvey and also flooded (according to neighbors, but couldn't find paid property loss claim through FEMA) during tropical storm Allison in 2001. Our house is designated as being in the 100 year flood plain and we have mandatory flood insurance through NFIP. We'd like to have the house raised ~5' to meet current requirements for new home construction or possibly demolish the house and build new. We don't have the funds to do either of those options by ourselves. I did research the 2017 FMA Home Elevation Grant Program through the city of Houston, but the submission deadline ended in August. We love our neighbors and our neighborhood and don't plan to move, but we'd hate to have to fix the house every 5-10 years. Does anyone know of any resources, grants, assistance for homeowners to mitigate future flood damage claims?
50% Rule for repairs of homes in the 100 year flood zone
I live in Bellaire, TX and our home was flooded by Hurricane Harvey. According to the City of Bellaire, home repairs cannot exceed 50% of the structure value. Our structure (Improvement) is valued at $20,000 and our land is valued at $420,000 by the Harris County Appraisal District. We live in a 1700 sq ft bungalow. My question is this: Can we use an appraisal we had done 2 weeks prior to the hurricane to establish the home value for permitting with the City of Bellaire? The Value by Cost Approach was $584,400 with the site value being $340,000. The value by Sales Comparison amount is $570,000. Our home was very nice and even featured in the Bellaire Tour of Homes a few years ago.
Increased Cost of Compliance (ICC)
once all the documents have been submitted and approved, how long does insurance have to send the icc claim payment to homeowner?
Property Damage claim denied (water damage due to pipe burst)
Pipe burst inside insured's home. Specifically, inside of wall between her master bedroom and bathroom vanity. Client called plumber (20 years plumbing experience) to check on issue. Plumber determined it was a sudden burst in copper pipe with water spray up toward ceiling. Insurer denied claim stating not covered because it was slow seepage over long time. Incorrectly referenced client's plumbing report in denial letter stating that client's plumber also said slow seepage due to corroded pipe. Adjuster took the cooper pipe from client without asking. What's best way to handle such a denial?
Loss of Use
Hello -- My policy "Automatically" included "LOSS OF USE" in the amount of $76,544. This policy is for a second home that we use about 6 months out of 12. The home was just hit by Hurricane Irma and may or may not be there anymore. My primary home is approximately 3 hours from this second home. How do I go about getting the carrier to pay the full $76K considering that I do have a primary home. What I do not have anylonger is the second home thus I guess we will need to vacation someplace else. At any rate. Just looking to figure out how to get our carrier to pay us the FULL amount.
Claim limits for federal disaster
We are approaching the 24 month (2 year) anniversary of our date of loss. We lost everything in the Valley Fire in 2015. We are currently rebuilding, and have received portions of claim payout. But there are still unresolved issues such as debris removal, code upgrades and additional living expenses that have not been paid. Do we need to file a request for extension of claim time? I thought since the claim was in process, we were good until we signed something in writing, but now I am not so sure. Please help. Thank you.
Rebuilding after total loss in wildfire
We do not want to rebuild on our property after it and our home burned in a wildfire. Is our federal credit union that holds our mortgage allowed to force us to rebuild on the original property, or cancel our mortgage if we don't? We're looking to purchase a lot of higher value than the original lot. If we can't do that and are forced to pay off the mortgage we'll essentially be homeless because we are both now retired and wouldn't qualify for the mortgage amount we currently have! Thank you for your help.
Insurance pay out to rebuild or relocate?
My house was destroyed by a Harvey and I'm not sure I want to rebuild there. Will this information effect the pay out from my insurance company?
setting limits for flood coverage
For a preferred risk policy... condo with a walkout basement. The basement has furnace, hot water heater, paneling on the walls, some carpet that I'm not too worried about. Condo association not responsible for basement finishing. Not in a flood zone, but want coverage just in case. I figure there is no coverage for the carpet and perhaps not for paneling, but maybe for electric outlets, and almost for sure for the freezer, furnace & hot water tank. If flood water does get in, would federal flood insurance pay for cleanup of mud, dehumidifiers for drying things out & potential mold remediation. Info needed for trying to decide on coverage amounts.
Coverage C personal property, Request from Nationwide to submit inventory by Oct 24, 2017
I received notice from Nationwide adjuster to have my contents list submitted by Oct 24, 2017. The personal property total loss fire occurred on June 11, 2017. This will give me a total of 4.5 months to complete the detailed list. Is this standard policy for insurance company's and if needed am I bound to the request? I am not sure I can have it done by then.
Offsets long term disability and combined family maximums
I would like to know if the LTD company can take the whole new amount of my children's benefits they are now to receive under my new SSDI claim to offset their obligation or if they are only allowed to take the difference between what the children were receiving as beneficiaries on their father's earnings record for SSA retirement and now the new higher amount because of the combined family maximum since both of us are now receiving SS benefits? The children were beneficiaries on my husbands SSA when he retired about 6 years ago. I recently became disabled and my earnings record is higher so the calculation for the children's benefits now will be higher but I believe is based on both of our earnings. Thank you.
Claim Settlement
We agreed on a settlement with our adjuster and told him we started doing repairs on our house. Now the adjuster is asking us for receipts before he can release the money. Is this legal?
ALE issues
Thank you for reading this. February 2016, our family had a house fire. Our family of 5 (3 children under 4 yrs old including a newborn) were out of the house for 11 months for the rebuild. Dealing with our Liberty Mutual insurance has been by far more traumatic than the fire itself. After 18 months of gruelingly proving that we were under-insured and overt $30k over our possessions limit (despite untold lies and deception from our insurance) we just received a check for the remaining $15k of our possessions policy limit. We are now working on our remaining category - additional living expenses. Other than monthly rent, we haven't yet submitted any ale receipts. We were told multiple times verbally that we could give general estimates and that it would understandable if we didn't keep receipts for everything. Of course now they are refusing to cover anything without a receipt. We were hoping to get things like 1. Eating out directly relating to insurance errands 2. Moving expenses 3. Babysitting 4. Extra gas/ mileage - do people have luck getting babysitting covered? I stayed home with my children pre fire and because of the fire we had many paid and unpaid helpers constantly helping with the children. At time of fire I was 8 months pregnant and had a 2 and 3 yr old. Do you have any recommendations for getting some of these hours covered, seeing as we obviously don't have receipts for sitters who were paid or volunteering - they are refusing to pay moving expenses (from rental to new home) saying that that is part of possessions. Since that category has reached its limit, we aren't being reimbursed for the moving company. Do that seem reasonable or how do we argue it for ale? - any tips for eating out specifically because of meetings and shopping? Despite them saying we could give estimates, they are now demanding receipts. Is this reasonable? Thanks so much for your time!
Multiple licenses contractors for build back
I live in California and had water damage at my home about 10 weeks back. I have not yet settled the claim with insurance company as I am working through different items of dispute. I have not been paid the whole amount as per insurance contractor work of scope, they subtracted deductible plus overhead & profits. We started out build back process with a General contractor who did dry wall, base board, crown molding repair, paint, etc. I did contract my kitchen and flooring work to different companies and did not do sub contract via my General Contractor. Can you tell me if there could be any problem with my claim processing or if Insurance / mortgage company would have any issues - getting the work done like this ? Thanks --- Update - My insurance is Western Mutual Insurance
What building products can an insurance company depreciate in a dwelling? I've read that framing, masonry, concrete, insulation and light fixtures cannot be depreciated...where would I find a comprehensive list? Is it possible/advisable to dispute the depreciation of building products? Our attorney disputed all the building depreciation and the insurance company's adjustor set it aside as an unresolved item.
Overhead and Profit
My insurance company denied my general contractor overhead and profit which was about 2300 close to 15/10. The contractor,, who used to be an adjuster, and other members of the company say that it is warranted for my project which was a sewer back up in the basement. My adjuster's manager told me that they will not be giving that to us because majority of the project involves flooring and is not a complex job. We then went through my insurance company to send out someone to look at everything again to see if anything needs to be added. That company added additional costs to the job which is leading me to believe that they will award my contractor the overhead and profit. There is carpeting, drywall, trim, bathroom tile, door frames, and now additional costs for possibly tearing up concrete in the bathroom for new tile flooring. Even the company they sent says it might be a two week job to repair everything. My question is, if they still do not give us the overhead and profit, who can I talk to then to push for them to provide that cost?
Black mold throughout home
We have found black mold all through the home. But we have already started to replace and have replaced things in the home. Closet floor and shower faucet. Due to shower leaking. We found this problem by me falling through the floor and busting through the wall in the closet. During this discovery we have learned both bathrooms and kitchen has this problem with black mold and children and myself have signs and symptoms of black mold. Can I still turn this into my insurance company? I believe the whole house has mold!!! We started replacing the bathroom and the floor before we knew the problem was in several areas of the home. We are homeowners.
Insurance company hired a third party unlicensed building consultant to adjust our claim
We had a partial house fire. Is it legal for an insurance company to hire a third party building consultant to adjust our claim? He took the scope that we had done by our contractor and cut out all the necessary items that the county requires for occupancy and gave it back to us with nearly half the items missing. He is not an adjuster. He works for a forensics company who also does not have an adjuster license. Our coverage is very sufficient. We had two of our own estimates done which were very close and then there is this guy who again was hired by the insurance company who submitted to us this low ball estimate on his company letterhead with no license number. Is this legal? We can't get occupancy until these items are put back in. Aside note...This guy never took one measurement in our house. Please advise.
Hiring a contractor after a home fire
My house in California was caught on fire. And my insurance company issued a check for repair under both my name and the mortgage company's name. I do not intend to hire a contractor to do the repairs, and I intend to fix my own house myself. I can manage to do pretty much everything on my own and I can get help if I need to. The question is, How do I get my mortgage company to release the funds to me? Does California allow me to be own contractor? Thanks.
Reimbursable expenses
Are travel expenses reimbursable in a property damage claim? Also can I be reimbursed for the cost of an estimate of the damages incurred that was submitted to the carrier? The independent estimate was used at the request of the carrier. Thanks
My rights or legal interest in the property portion of our homeowners insurance claim
I am needing to hire an attorney in order to proceed with my portion of the claim as a resident who is now been denied payment on my contents not only that but insurance hasn't requested receipts be submitted and on all the receipts have been submitted I have not been reimbursed for anything that I spent such as there are two different credit cards that are in my name not my roommate yet he received payment for those items I did not
What should I do when the insurance company is not reimbursing me in a timely fashion?
I made several requests for different reimbursements after a fire for things like mileage, replacement of computer equipment, and laundry expenses. I made the request two months ago and provided all necessary documentation. This is taking way too long. What can I do?
Claim Check Issued To
I have USAA homeowners insurance. My husband of 2 years is the primary policy holder. However, the property is in my former name. I requested the check to be made out to me and my bank as required per the large dollar amount. I was informed that I should submit a letter from my husband authorizing them to exclude his name from the check, a copy of our marriage license and a copy of the deed. I submitted the information as requested. The still sent the check with his name stating it's required as he is the policy holder. We are older, have a prenuptial agreement and do not want to cause a cloud of title with a large check being issued for my home in his name. He has his own home on the policy as well. Can I get the name corrected on the draft, maintaining the policy number and his name listed on the invoice as policy holder?
We had a garage fire and smoke entered the home thru open windows. We have smoke damage and a video showing tons of smoke going into the house. The insurance co ordered forensic testing. Who pays for that? Does it come out of our policy coverage?
Do we have to pay for the tests that our insurance company is ordering to prove if smoke is present or not. They are spending more money on forensics than the carpet in question would cost to replace.
Auto Insurance
My insurance co.jst sent me a cancellation notice because they're saying that I didn't let them know that I was a uber driver &they never asked neither.didnt mention it because I do it as a supplement.can they cancel my policy?
homeowners insurance coverage after a wildfire destroys dwelling
My home is in California and I own it (no mortgage). I have USAA homeowners insurance. The dwelling coverage is extended replacement cost coverage with building code upgrade coverage. If my home is destroyed by a wildfire can I use my insurance payout to buy a home in another state?
How do insurance companies calculate depreciation on dwelling ? I have State Farm Thank you
Matching shingles
My insurance company is paying for a partial repair to my roof. If the shingle cannot be matched, am I entitled to a full roof replacement?
Homeowner Policy Claim
I have a lawsuit filed for defamation by previous employer. I was instructed by my attorney to file a claim with my homeowners they denied the claim. I need to be directed to somebody who can review my coverage.
Is it within my rights to sub contract repairs to my flood damaged home to licenced contractors
Mortgage company insist on General contractor.Fannie Mae regs state use a licensed contractor. Doesn't address specifically General Contractor. Fannie Mae will not discuss with me but the post regs on line.
Final Check - Unable to get contractor to endorse
I have the last claim check from mortgage company but can't get general contractor to meet with me to endorse the check. I received the final invoice from him 3 weeks ago along with a release (which we disagreed with verbiage and requested the release be revised - he agreed to revise). Since then I haven't been able to get him to schedule a final walk through or even meet up to endorse the mortgage check so I can pay his invoice and one other contractor we owe (not listed on the check). First he kept rescheduling...now he just doesn't respond to anything or answer the phone. I don't know what to do in order to be able to cash the final check and be done with this; plus at some point this check will expire. We don't even care about the final walk through now even though HE should want to do that. Any suggestions?
Remediation charges
We had a fire in our split-level duplex. The downstairs unit was a complete loss the upstairs had smoke damage. However upon further inspection the entire structure had to bring up to code which totaled out the loss. Insurance company had brought in a remediation company which still has a $4000 bill outstanding for cleaning up the structure. Two builders say the structure should've been totaled immediately without any attempt for structural remediation. What are our options to challenge the remediation company's bill and claims?
I feel my insurance adjuster is not acting on my claim in a timely manner. Can anyone recommend actions to take? Further details are included below.
My condo flooded during Hawaii's Tropical Storm Darby in July 2016 due to exterior drain issues. I filed a liability claim through the HOA master insurance policy since drains fall under HOA maintenance responsibility and the insurance company agreed to cover the flood damage. It's ten months later and I'm still waiting on a final damage assessment from the independent insurance adjuster. I have concerns about the adjuster's method of assessing damage and feel he has not captured all of the damage and has not been acting on my claim in a timely manner. My pets and I have been experiencing health issues due to the poor indoor air quality (possibly mold) of living in a flooded dwelling; I am experiencing headaches, fatigue, sore throat, etc. I'm an Army officer who is due to depart Hawaii in four months, though am trying to extend my tour to complete the repairs.
what is included in USAA's ALE
I am having a hard time claiming ALE. From USAA. I asked my adjuster to give me a list of what expenses they cover so I do not submit lots of receipts blindly but she won't give me any guidance. She just rejects the things I do submit. How can I get her to tell me what the coverage is?
Helping my elderly parents in a protracted battle over Sandy damage. Looking for some advice navigating decision on accepting Sandy Claims Review offer vs. arbitration vs. retaining a lawyer. (Thank you, Uphelp!)
My parents, in their 80s, own a bay-front house on Long Island. Its post-and-beam foundation was damaged by Sandy: posts sunk, lifted or displaced, house out of level. Our engineer recommended new elevated, deeper foundation. The insurance company's engineer cited 5 displaced posts for which we got money to jet in replacements/re-level but a)other posts that aren't "damaged" still moved out of proper depth b)unclear we can jet in new posts without moving or lifting + bracing house. Does a lawsuit stand a chance of forcing them to pay for that stuff? We applied for Sandy Claims Review (there was also other underpaid damage), were offered additional $ but still far short of our costs. Our architect, contractor and a new engineer agree insurance co's recommended foundation repairs are insufficient. Inclined to consult with a lawyer but worry their advice tainted by incentive for us to sue.
Car accident
Do you have info on car accident claims with no bodily injuries
Problems with insurance and contractors suggested by them
After a fire loss of my moms property the insurance suggested a contractor to rebuild it, its been over a year house is no where near finished. The contractor took it upon themselves to demolish an existing garage that was NOT affected by the fire, saying it was ordered by the city, which the city of Oakland denied when we went to ask. No one is being accountable for the loss of the garage. Also, the insurance adjuster wants to decrease the dollar amount left for the completion of the project because my moms wants to finish the job herself since its all cosmetic and she is a painter. Should she get legal help at this point or is there more that she can do? What kind of attorney?
Insurance cancelling my homeowners ins . during a claim .
Approximately 1 year or so ago I purchased AAA car and homeowners insurance. When the AAA man came out to look at my home and take pictures, he seen that I had several roommate's, and asked who all lived here, also on my car driver exclusion was all the roommate's names etc. Meanwhile we had a garage fire and home filled with smoke damaged, and are in the middle of finishing up our claim and now they have cancelled our homeowners ins. effective next month. We had a un permitted sun room built that was one of the reason's for cancelling, the other was too many roommates. The man that came out to our home from AAA, seen these roommates and must have not told the underwriters about them when the policy was being reviewed or whatever the underwriters do? I believe he asked and I told him that I do independent living and rent rooms out. he also said he would overlook the broken down car.
total loss house fire
I have been with farm bureau ins for 20 years and had a total loss house fire nov 2016... I have not yet rebuilt and my I got a letter in mail that my policy has been cancelled. looking for guidance, I need homeowners ins for my new home
House fire claim
My house burned down in December with a total loss. Insurance has already paid the swelling part. On my contents my adjuster sends this email which says. Sharon ; Your claim clearly exceeds the policy limits. You do not have to submit any additional inventory. Your policy limit is $154,650. My question is I have replacement cost. They automatically deduct 30% then find the item cheap somewhere and then depreciate it again on age condition ext. even though most items were in excellent condition I have sent three list already and still not done. Does she have the right to do this. If I don't give all items how am I going to get the reimbursement. As well can I redo some of the list I already sent in due to the fact some didn't have model numbers or item numbers listed.
Our insurance company would not pay the last two months for temporary housing. How can we get reimbursed for this
We had a very large home in a remote location. Many of the sub-contractors were out of business due to the 2008 market crash. It was very difficult to get like-kind trades to come to this rural ocation. Furthermore, it was difficult to find some of the high end finishes in the home. At no point did State Farm tell us that we could have stay in a like-kind home. We stayed in a small 900 square foot 2-bedroom condo. After what we had been through, we were thankful! However, the building process took a long time and the adjuster felt that we should be already back in our home and refuse to pay for the last 2 months at over $4,000 out of our pocket. What recourse do we have? According to our policy we had two years that they would pay for temporary accommodations. They paid for 16 months. The house took 18 months to build back and we paid for the last two months of temporarily housing.
Purchase order at a clothing store
Time is running out and I hate to shop, we still have not received money to shop with only have one week left until our deadline. But, literally most all of my clothes were destroyed. I gave the spreadsheet to a store of lost items and they are going to create a purchase order for me. I figured it would be easier for them to just handle it for me. If I write them a check does this purchase order constitute a receipt? No, I don't intend to take kickbacks. Yes, I'm going to spend all the money on clothes there.
Purchase orders as receipts.
The store that we originally bought most of our Furnishings from created a proposal based on previous invoices they had in their records from us, pictures pre fire, and pictures post fire. We were by our insurance adjuster that we had to create a spreadsheet in their format before they would accept this proposal. We still have not been paid any funds, and wanted to go ahead and write a check for the proposal so that our furniture store can put our home back. We intend to spend the full amount proposed at that furniture/decorator store and signed the contract and gave them a check to hold until we receive funds that from insurance. Does this purchase order count as a receipt? Will we get the full replacement value back based on this purchase order? Time is one week away and we are unsure as how to proceed.
Time limits for reporting events of water damage
In the event of sudden or accidental discharge or loss of water later resulting in water or mold damage, does the event causing the damage need to have been claimed at time of event in order to claim for damages?
Homeowner fire claim/ public adjuster termination
Had major residential home fire, ins gave low ball estimate, would not negotiate on offer for scope of repairs We did not understand ins.jargon in our policy, ins adjuster would not explain policy coverage. Hired a public adjuster/ appraiser, big sales pitch on how they maximize ins. Claim to cover damages and cover their fee of 20%. Once contract was signed they used the appraisal clause , which was not fully explained. Their appraiser has sent insurance adjuster a estimate that was not shown or discussed with us PRIOR to submitting . Durring Apprasial process they would not state any figures of repairs, told us not to be present at our house when ins appraiser and public adjuster/ appraiser were meeting. The public adjuster , scope of repairs did not adequately include all damages . Getting big run around and deception. How can I terminate the public adjuster legally.
Disagreement With The Adjuster Estimate
In March, my roof was damaged by hail and wind, so I called Allstate to start a claim. They gave me a claim number and the name of the one who holds the claim, then the name of the adjuster who was supposed to come and inspect the roof. The adjuster came on March 24, 2017 .After finishing the inspection the adjuster promised me I would hear from him within 48 hours. Since I didn't hear from him on Monday, I called the guy who handles the case; he was surprised that the adjuster went on vacation and didn't notify him. Then the guy who holds the claim talked to his boss and they decided to put me with a new adjuster. So the new adjuster said "if the first adjuster already made the estimate, he cannot change it". He contacted him and he got back with me with a price of $3,044 to replace half half of the roof and my estimate from several contractors was $6,799. Please tell me what to do!
My roof was damaged by wind
My roof was damaged in a windstorm the adjuster came out paid for half of my roof and the other half the shingles are damaged and he wants the contractor to glue them back down the contractor says that he can't glue them down because their creased by the wind. Not only won't they glue them - the shingles can't be replaced because they are too brittle and a us standard size that is not made anymore. The adjuster said the roof was 20 of 25 years. I planned on replacing next year but the roof was ok before storm. We called farmbureau they won't budge??? What do I do next??
Insurance policy
Insurance Policy was changed by an angent from full coverage to liabilty without my knowledge or me requesting. Was in an accident insurance does not want to cover. 9000 dollars worth of damage. I need help
General Contractor overhead and profit
What is the industry standard for a GC's overhead and profit in a large loss situation?
Home hazard insurance
I have had my home owners ins canceled my mortgage company of course wants new one. If I owe less than 10000 on the mortgage can you get just a policy to cover the principal?
Should I hire a lawyer?
Dear experts: I live in California and own a rental property in Nashville. On Feb. 17 of this year, the water line to an upstairs toilet rusted through and flooded the entire house while the renters were at work. I have a "rental dwelling" homeowner's policy through State Farm. Initial drying took place immediately via my property management company. An adjuster came in, did his inspection, and left. A week ago I received a huge packet in the mail, and what looks like a check for around $15K. I don't think this is nearly enough to cover the damage — it was extensive — and now don't know where to turn. I need help! I can fly to Nashville, but can't stay (I work in LA) Thinking I should hire a lawyer to handle. And if so, who should I hire?
fire insurance claim
I had a "Florida room" for my small RV - it attaches to the RV when you set it up. It was stored in my shed which burned up in the california valley fire. I paid the deductible for replacing items in my shed but State Farm says that the Florida room would come under my car insurance and so I have to file a claim for that with a separate deductible of $500. The Florida room costs $878 and it was 10 years old so this means I basically get nothing for it (after paying the auto deductible, I might even lose money). Shouldn't it be covered under the shed insurance where it was stored?
Unable to get Fire Insurance
We are working on buying a house in Aptos California and are having a difficult time finding an Insurance Company to provide Fire Insurance. Is there any kind of govt. program (Federal or State) that backs insurance companies when there is a seemingly large forest fire threat? How can people sell or purchase a house if no one will insure it and the mortgage companies won't lend unless it is insured?!
good inventory sheet?
what does claim summary payments mean on the homeowners payment worksheet for dwelling
need a bad faith attorney
My home had suffers water damage and some help to get my claim paid out to the fullest can you are some one you know to refer to me thank you
We had an electric fire and our house had to be rewired. The house is contemporary and the adjuster insisted on junction boxes instead of replacing "home runs." Our policy states repair or replace. It is a contemporary home: no attic. Safety issue for us.
How can the adjuster deny what it actually cost to make the repair with a reputable contractor? He states the work was not approved. We are vastly different on the amount of the claim. The ins. co is completely lowballing the amount needed to repair. We have paid our contractor out of pocket. What are our chances of being made whole?
can insurer call insured once a public adjuster is hired?
I am working on a claim with Auto Owners and the company adjuster and her manager insist that they do not have to respect the public adjusters contract and constantly call the insured. They have been asked to stop calling the insured and of course The Auto Owners adjuster will not. Said that only applies to attorneys and not public adjusters. Is this true?
Matching and cosmetic issues
I was told there is a new federal case law that forces insurance companies to pay for matching or cosmetic issues in a property claim. do you know the name of the specific case.
I have a public adjuster and he is charging on all the claims. I was told by someone else that he should not be taking money from the added living expense. I pay 1500.00 a month and I get that back from the insurance co but he is charging his percent. So I pay 1500.00 and get back 1500.00 but have to pay him 900.00 for the last 6 months
Additional Living Expense - loss of use of our home
The insurance company is using a service to estimate what fair market is for temporary living, which is ALE. The range for monthly rent is $8,900 - $14,000. Insurance company has conveniently dropped the $14,000, but ALE has said it was discussed with the Estimator. We want the property that is $11,000, but they are say we have to pick a property that is $9,500 or less. How do I prevail? Policy... Coverage C - Loss of use 1. Additional living expenses. When a loss insured causes the residence premises to become uninhabitable, we will cover the necessary increase in cost you incur to maintain your standard of living for up to 24 months. Our payment is limited to incurred costs for the shortest of: (a) the time required to repair or replace the premises; (b) the time required for your household to settle elsewhere; or (c) 24 months.
Flooded commercial property owner
Good Afternoon.We own a Garden Center that is Commercial Property in westchester county NY. The address is 345 North Highland Avenue ,Ossining NY,We hired a Property manager through our previous attorney.The property had to be assess ,When arriving on the Property we seen a window broken and heard water running,The Main fuse breaker was deliberately shut off in turn the furnace was also shut off this restricted the Heating of the building,The house had 2 -3 feet of water, till this present day! We immediately took pictures with the professions real estate Broker and the appraiser.I called my lawyer and he was to call the property manager to put a claim in., Till This day we still dont know the 5 w's on the insurance claim adjuster or if the building even has Insurance. The attorney told me the propery manager said dont put a claim in,This sounds Illegal, I dont agree,can you help me!!
Does our insurance cover damage from burst water main pipe in the street?
Hello, a water main burst in front of our house, and the water rushed into our driveway and front door. The water utility agrees it's their fault, but it's not clear if our insurance policy covers the damage. The insurance agent suggested that we withdraw our claim to the insurance company, and submit a claim directly to the water utility. A lawyer acquaintance says they just don't want to deal with us, but should accept our claim, cover the damages and and then subrogate the claim against the utility company. Our insurance policy states it doesn't cover all kinds of water damage, but the adjuster we talked to says it should cover this one. I want to be able to argue my case with the insurance company, and am hoping you can give me some ammunition to do so!
sale of flooded property
I have a buyer for my flooded gutted home. I have the insurance check which is made out to me and the mortgage company. Can I apply this check to the balance to payoff the mortgage and sell the property. I am scheduled to close on March 5. And stand a chance of losing the sale if there are any issues with the mortgage company. What do I need to do to get them to agree to apply this check in the event they say No. The time line for this is a crunch. Any advice will be greatly appriciated. Thank you
Homeowners Insurance Negotiations
We had a dishwasher leak into my cabinets and on my engineered hardwood floors. A claim was filed. Independent adjuster came out. When I got my estimates done they came out higher. Insurance already sent a check to us for 45kand repairs are at 65k. Now they want to send out a staff adjuster. My question is can they take money back if there staff adjuster doesn't come out with the same figures when they've already sent payment and notice? We did well on our first adjustment but I am worried that the second adjuster might not be as much in my favor.
Who fault is it if my ajuster did not do a follow-up after the mold remendation
Mold coverage is limited unless you purchased additional coverage. In any case, you are responsible for monitoring the remediation and rebuilding of your property.
Property loss due to fire.
How can I get USAA to pay full policy benefits? In May 2016, my U-Haul caught on fire causing over $350,000 in loss property. My USAA policy was only for $263,000. They are paying less than $100,000 and deducting $25,000 from U-Haul's additional insurance I took out on truck. Can they do that? Can they pay less than what my property policy was for and deduct a 2nd insurance payment from what their willing to pay?
Home owners insurance. Claims
What are the CA. Laws in regards to privacy practices? Such as sharing previous claim info with other insurance. Companies?
Personal Property Settlement
We were part of a CA wildfire (arson) Lost our storage garage. We were paid in 9/2016 for our personal property settlement. We are still trying to start the rebuild process, so cannot rebuy what we need yet until we have the space for our things. We have with made plans or spent the money that we were given for the personal property. We have just been told (5 months later) after I submitted a "forgotten items list" that they've caught a mistake they made in over paying us on "collectables" past our collectables limit so any more items we submit as forgotten, or rebuy and submit receipts to try to get the recoverable depreciation will be deducted from the $5500.00 mistake they made in our original payment. We will never meet that amount in recoverable depreciation so basically they are conveniently telling us right as we're about to submit receipts that, no, you cannot get anything else.
Hurricane Matthew
I have submitted my information of damages with multiple quotes to the insurance company Essurance. The insurance sent me some money but not enough to complete the work in which they want me to get done. I took my own money to handle the damages with proof of receipt and pictures submitted to them. I have not heard a response from them. I have proof of all email traffic. Can I file a complaint to get reimbursed from my insurance company since I was involved with damages occurring in a natural disaster?
Endorsing FEMA Hurricane Matthew check over to ex's mortgage company
I am not the borrower, my ex is, but his mortgage company is being uncooperative as to endorsing the check from FEMA from Hurricane Matthew, made out to me and them, over to me so that I can begin repairs. If my only recourse is to endorse the check over to them, then I would expect that they should make certain covenants with me as to their responsibilities to me and how they will perform them. I do not plan to hand the check over until I have an agreement with the mortgage company, or a restrictive endorsement. How can I get an agreement with them in writing so that I can make sure all goes as it should? I had two feet of storm surge in my downstairs office and guest quarters in October, and have had the FEMA check for over two months now, and cannot make my home whole.
Hurricane Matthew - What are the Insurance company's responsibilities to insureds with regard to providing any adjuster's reports, ALE expenses and any timeline they are ruled by. Any guidance you could give would be appreciated.
Storm 10/716; Claim 10/10; 10/12 3 tarps to roof self pabilitiy - no reimbursement to date; Ins.Claim Rep. 10/25 1st contact; Indep. Adj 10/29; air scrubber 11/21 no dehumidifiers water damage in many areas; they had to order since they have an agreement with Rytech; partial payment for roof and drywall, etc. rec'd 11/29 with summary; 11/10 FEMA contacted - DECLINE; start SBA; husband (atty) ill from mold; can't stay - relocated to 2nd home on 12/10; new roof 12/14-17; limited communication since; 2nd indep. adj. 1/15/17; 1/20 self ordered dehumidifiers due to moisture still in wallsl; 1/24 contracted self pay mold assessment; no report as yet but yes mold; 1/24 filed complaint at Dept. of Fin. Svcs.;2/1 ins. claim rep no ALE because we have 2nd home; not eligible; only electric ; 1st homesteaded 29 yrs never rented, our use only. No supptl, ltr or info received. BEYOND FRUSTRATED.
contents and labor during a fire/smoke damage claim
I am wondering since I am not the Policy Holder of my twin sisters homeowners insurance, that I lost a tremendous amount of content after a fire in our garage. My twin sister is the policy holder and I owned most of the content destroyed and she does not want to give me the money from insurance company for my contents. What can I do about this. The insurance company has been writing the checks out to both her and I. She wont give me the money for packout/cleaning either. What can I do? I also have COPD, Asthma, and congestive heart failure and she has been given money from insurance company to reside outside of home until repaired, but she just banked the monies. I am feeling sick already from probably breathing the smoke? I am at a loss. Please advise me as what my legal rights are. Thank You.
Hurricane Matthew flood insurance check
The FEMA check is written to me and my ex's mortgage company. I am not a borrower on the account, and our divorce decree states clearly that the property is exclusively mine, and that my ex is not entitled to any rights of any kind. I have sent papers to BB&T Property Damage Claims in Ohio every time they have requested them in order to get where I could finally request a local branch endorsement, and now they have turned me down and told me to endorse the check over to them. I do not believe I am beholding to them whatsoever, as they did not require that flood insurance be kept on the property due to the X flood zone, and I paid the premium to protect myself from loss. If I did not have the flood insurance when Hurricane Matthew came through, I alone would have suffered the loss, not BB&T. How can I get the check into my control?
Contractor General Practice Question
I know United Policyholders are generally here to assist with insurance questions, but I've been looking online and am struggling to find a clear definition of the expenses included in the overhead portion of the contractors bid. My home burned to the ground in the Valley Fire. My contractor is charging 10% overhead, but made a separate line on my list of materials for general liability insurance & is charging 2.5% of the entire direct cost of the job (Over $7k). I've always thought G/L insurance would be considered overhead, so I'm trying to find out if this is a general practice or if he's charging me too much? My contract is not very detailed, but does not contain a provision for general liability insurance on a separate line. The materials estimate was given to me months following the contract. I should never have signed this contract, but that is beside the point.
Filing a claim after policy has been cancelled
I am selling my mother's home. After an inspection last May - it was found that the foundation has cracks in the mortar and needs repairs in the amount of $8000. The insurance company cancelled the policy in July since no one was living in the home. Is it possible to successfully file a claim now?
Not at fault auto accident. Liability of at fault driver's insurance company. I was involved in an auto accident. The other driver was at fault and they were insured with USAA. They called USAA at the scene.
USAA spoke to me and said they were assuming responsibility. USAA immediately paid for my vehicle. Several days after the accident, USAA's adjuster advised me to seek a medical evaluation for some neck/shoulder pain. The orthopedic surgeon determined I had a torn rotator cuff injury. USAA said they would only pay AFTER I had the surgery. I advised them I DID NOT have medical insurance and I forwarded an email from my surgeon's secretary, stating that without insurance, I would have to "prepay" for the surgery. USAA not only still refused, but never once suggested or offered to be "direct billed" by my surgeon, which is a common practice. I filed suit and we're awaiting trial. Couldn't I file a "bad faith" claim directly against USAA? They never did anything to mitigate my pain and suffering. This happened in March of 2013!
We had a kitchen fire and our insurance company was quick to write a check(which we did not cash) but we got three different contractor bids and the insurance company is $20,000.00 off from there estimates. They are refusing to give any more.
Your option is to try and make an argument of why you need the additional amount or to hire someone to represent you in that argument. A public insunrace adjuser can assist you in that process. It will be necessary to thoroughly review the estimate from the insurer and measure that against the actual repair costs. I hope this helps you.
Homeowners insurance claim
Hi. My name is Anatoliy. Here is my question. Bought a new construction house in may 2016. In end of November noticed hardwood floors started to cracking and squick, inspected outside wall and found improper flashing and waterproofing done on the outside of the house. Went with public adjustor who filed claim with insurance company. Insurance Company sent out independent engineer to inspect property and reason for damage. My question is: am I entitled for a copy of report that engineer must submit to insurance company? I'm in Pennsylvania. Thank you Anatoliy Stepchin
Lowering line item values
My insurance company sent a approved contractor to my home and the approved contractor wrote a good estimate which the insurance company approved and paid. This company then sent the sub to do the work with the estimate. He left it one day and when I looked at it all the line items are in it but with much lower prices. I am afraid he will not buy what I need and when I questioned the material that he is putting in may be a lower quality. Is this a legal practice. The O/P was also missing from his est and the line items are about 20 % less
depreciation/valuation of personal property from fire loss
It appears depreciation for toys is 50% per year? We had a house fire and our kids' toys that we submitted were depreciated at a flat rate of 50%. We have five children so as you can imagine the number of toys that were lost. Shouldn't that 50% be prorated on toys that are less than a year old?? Nearly all of our kids' toys were less than a year old, most being 6 months old or less and a large portion of those 3 months or less. We had a very small home so there wasn't room for things to be kept, they had to be cycled out. Also, the fire was only 3 months after Christmas so although they were 3 months old, some toys still hadn't been played with. Considering the condition of most of their toys, 50% depreciation rate in this situation seems quite excessive and unfair. I also wonder, I requested reconsideration/re-evaluation on those items. Do they have to comply with my request?
Illinois rental dwelling policy
I have two questions. First, I'm wondering what exactly business liability covers, that is an extension to a rental dwelling policy through State Farm in Illinois? Second, My Policy says Inflation coverage index: 246.4, and Not sure what this means Either? Thanks , greatly appreciated, ChrisMars
non-recoverable depreciation
In my original claim, my insurance company said that my 98 year old mother had replacement coverage. We've gone through her contents and submitted a statement of loss. In our findings, most of her contents were 40, 50 or even 100+ year old collectables. In the subsequent settlement, the insurance company increased their payout; however, they now claimed over $30k of items under "non-recoverable" depreciation. How do you verify what is or what is not recoverable under this cause? The policy documents are very vague, tough to read even we you can find them.
cleaning up after fire
Will my homeowners insurance pay for someone to remove fire/smoke damaged items from my garage?
Can my nsurance company set a deadline for reimbursement for our contents replacement?
My home burned at the end of August 2016. I just received a letter from them saying that the deadline for us to replace and be reimbursed for our contents is the end of 2017. We don't think we'll even be back into our home until September 2017.
Fire claim contents specialist contract.
The contents specialist that i want to hire to help me with the personal property portion of the claim, has agreed to let me draft the contract agreement. What clauses should it contain in order to demand high quality professional work and guarantee, proper personal property handling, fair pricing, safe storage of goods, prompt execution of work, adherence to industry standards, etc.
Recovery and reconstruction from Hurricane Matthew demolition, in South Carolina and the Property Management Association, Association Board and Insurance companies
Thank you for your offer to help. I live in SC. Waccamaw Management, LLC is the property management company for exterior flood/hurricane damage coverage. January 8, 2017 is the three-month anniversary of the storm. On October 10, 2016, Vines Restoration company was on site demolishing and removing drywall, appliances, insulation, furniture from 32 townhomes and condos. Approximately ten 8x12 foot piles of damaged property were hauled to a landfill. WMC, LLC changed managers three times in these three months. We have received 4 or 5 letters requesting patience. We have not received a construction start date, information on what buildings will be repaired, order of repair, the construction companies, cost, timeframe. I was advised to find an aggressive SC flood insurance and home owners association attorney. We are running out of "loss of use" paying for a rental home. Please advise.
House fire repairs
Hi! I had a house fire in Louisiana. According to our Parish laws, if greater than 30% of electrical wiring is birned, the entire house must be rewired to bring it up to code. My insurance company is saying they will only cover the actual wiring burned, and anything required to bring it up to code to pass inspection will be out of my pocket. Is this legal? I feel like I'm stuck with several grand of repairs I wouldn't have needed if the fire hadn't happened!
Insurance co saying my hand written receipts not valid..?? I had a lawyer tell me if dated and signed valid?? Receipts for things like temp help to help me with packing. Paid in cash.
Length of time to rebuild?
We lost our home in the Valley Fire Sept. 2015. We have been working with clearing the property and an architect drawing plans. We are about to take it our plans to bid. Contractors are very busy here and possibly cannot start until April or May. The 2 year date would be 5-6 months from then and doubtful that the house would be finished. Do we still have time under the federal extension allowed for building and would we still receive our living expenses? One adjuster told us as long as we were moving forward that is all they (AAA) cared about.
Money for excavation and building code upgrades
We lost our home in the Valley Fire 2015. We have come to an agreement with AAA for the full amount our home was insured for. Does this amount include the new excavation that will be needed. The former house was a 3 story and there is a large hole where it was. We want to build a single story with part of the new house over that hole and part of the new home over some area that will need some excavation. Also we have been told different stories about the code upgrades. Are they included in the house money or are they in addition to that money. All of this makes a huge difference in what money we will have to build a new house.
Offset of social security cost of living adjustment
I live in California and my employers corporate office is in Pittsburgh. 10127.1 CA states that COLA can not be offset yet my employer based disability benefits have been reduced every time I receive a COLA increase. Can they do that?
Do you pay tax on lawsuit compensation for property lost in wildfire?
Contents of garage after a fire
My ins company sent there company out to inventory my person belongings in my garage. there list is not accurate. I already have gone into my garage and have a added list which they did not itemize. How should I present this to my adjuster?
Flooded August 2016 mortgage co
Insurance co sent check to repair house but mortgage co seterus/Qbe is giving me the run around. I spent 50,000 of retirement money and sent receipts. Now they won't send money to me. Every time I call they change the info needed. What can I do? I want to get into my home. I am at a stand still.
Proof of Loss Dispute from flooding during Hurricane Matthew
Hello. I have received a POL from our adjuster and most of the contents were changed from replace to clean only. All of these items were standing in septic flood waters for a week and have already been disposed of. I wrote a letter explaining the situation. NO one responded to the letter and when I asked for an update they told me the file stands as is and to sign the POL to get my $. I took the advice from your page and asked the following and was once again told the files stands as is and to sign the POL. > "Can you send me the exact wording of the policy language that you and he are relying on to reject part of my claim? In addition, can you please send me complete copies of all evaluations, reports & estimates you have prepared or caused to be prepared that relate to our property and the claim." Please tell me if I need to hire an attorney or contact NFIP?
Insurance claim checks with mortgage
I have a buyer for my flooded gutted home. The mortgage company has the insurance checks and will not let me apply these checks to the balance to payoff the mortgage and sale the property. I am scheduled to close on Dec 23rd. And stand a chance of losing the sale because of this. What can I do to get them to agree to apply these checks and give title company a correct payoff amount so I call sale this property. The time line for this is a crunch. Any advice will be greatly appriciated. Thank you
intellectual property
We just realized we lost lesson plans units outlines notes journals for two books -- we have one education book published. We cannot replace these. Will we be able to claim on insurance and how would we get value?
Confirming quality work is done.
I had a fire and called one of the two services recommended by my insurance because I am new to Indianapolis and did not know any quality contractors and because it was late at night and raining when I first found out my house had been on fire. The contractor, ServPro a franchise operation, has been very difficult to deal with and they have done sloppy work. The mortgage company sent an "inspector" but all he did was check to see that they were working to get me back into my home, nothing about quality or correctness. ServPro told me the job was done, but many things do not work, like my stove, or are not done properly. Both Insurance (State Farm) and Mortgage company say they are not part of this. Who is supposed to check to make sure electrical etc. is done correctly. I paid for a house inspection before purchase, but who protects me after a fire? I do not feel safe in my home. Bonnie
House flooded in Baton Rouge, LA. Had insurance. I have been made an offer to sell the house as is. can I sell the house as is, and pay off the mortgage? Do I get to keep insurance money? How do I go about getting this accomplish or is it possible?
My house is in Baton Rouge, LA and flooded in August 2016. I Had insurance. The insurance company has offered me $187,00 for property damage but I owe $200,000 on the mortgage. I have been made an offer ($170,000 0) to sell the house as is ( the house has been gutted). This means I would have to come up with an additional $30,000 which I am willing to do in order to pay the mortgage off. I no longer want the house so can I sell the house as is, and pay off the mortgage? Do I get to keep insurance money? If this is possible, what steps do I need to take to make it happen?
My house was lost in a fire.
My insurance was cancelled without me knowing. They mailed a single letter months ago. I never received the letter. The agent never contacted me in any other way. Do I have any rights?
Louisiana Flood 2016
Our home was lost in the flood located in Central , Louisiana. After many tries we finally got the claims money from NIFP. When we sent the check to the mortgage company and they keep making changes to the request of documents needed in order to release any funds for our claim. We have provided everything they have asked for and every time we call it's always something different. What are my options? The mortgage company is Nationstar. We have used our savings to get our home livable.
had a renters insurance policy that paid out in 2015 with fire marshal report showing cause as undetermined now i cant find insurance company who will do landlord insurance for me who can i contact?
Roof leaking
Hail damage in 2012 not covered because adjuster said cost to repair was my deductible. Had repair done myself and roof leaking now due to high winds and rain. I fear insurance company will say the samething again. Please help
offset reimbursement
Can a disability insurance company i.e. Prudential require reimbursement from 2008 for the company's miscalculations for offset of social security benefits.
Can I have a repair estimate reviewed and a new estimate prepared based on the estimate sent by my insurance adjusters estimate. They have issued a check in the amount of this estimate, less the deductible. What should I do with the Check?
I had an accidental fire created by brushing past the two right side, ftont and back, electric burners, on my LG LRE4213ST Electric Range
State Farm changing its mind about paying us for our hydroelectric system that burned in the Valley Fire in California.
State Farm told us our hydroelectric system was covered under Dwelling A. They supported this by sending us numerous letters requesting our bid from a contractor for labor and parts. It took time for us to get a bid because of the uniqueness of having a hydroelectric system. Since we had verbal statements we would be covered and letters supporting this, we were surprised to be told they were now not going to cover our system. They basically said we could do nothing about it because a year had passed and they were sorry they had made a mistake in telling us it was covered. Do I have any recourse in this situation? They have all the information they asked for and we have signed a contract for the building of hydroelectric system.
Pol to sign or not to sign
As you probably know we have till Dec 12 to sign our pol from Allstate. We don't agree with the numbers and a large amount of cost needs to be added because their pol does not include removal and replacement of sheathing boards between brick and studs. This stuff is crumbling and adjuster said it's fine but it's not. We had 5 ft of nasty water in the house for 3 days. What should we do?
Getting full replacement cost in the event of a total loss.
My insurer's replacement cost report totals $480,906. My licensed contractor estimates the most likely replacement cost would be $737,210 and his high-side estimate is $842,240. My insurance "an extended replacement coverage of an extra 50%... just in case our report came in a little bit off". How much insurance should I get? I'm thinking the number should be $561,493 ($842,240 divided by 150%). I would very much like to talk to you before I talk to my insurer since they'd be happy to have me pay a higher premium. My phone number is 650-678-2489. Thank you. Cathy
In the state of Missouri, are we allowed to recover depreciation for work that wasn't performed from our homeowners insurance claim?
Our contractor says he's done approximately 90 jobs in the last three months, and all the other homeowners have been written checks for the recoverable depreciation for parts of the claim not completed. Our insurance claim rep. is pressuring us to close for our final check, but are not including the recoverable depreciation for the parts of the claim not completed. What are our rights? Are we owed the recoverable depreciation for only the parts of the claim that were completed?
total fire loss
do you have an app for estimating inventory after a total fire loss?
Fire damage lowball settlement
Airheads in Gardnerville Nevada was damaged extensively by a fire set a mile away our insurance company is low-balling we sent in two quotes for replacement of fence replacement of landscaping and they are low-balling by 10 to $15,000 what rights do I have where can I go what do I need to do to say you are not you're not adhering to the policy you are not you are not replacing or repairing to pre-fire condition how can I fight them this is the fire in itself was destructive enough to my mental state but now is I am seriously so overwhelmed and so upset I don't know how to handle this thank you for any input or any advice or any direction
Unlivable home due to mold damage.
My grandmother's home is covered in mold and is now unlivable, would her insurance pay for teardown and grading of the lot to put a new mobile home there? My grandmother and my uncle live there and he has severe lung disease and is on oxygen, so there is no way he can step foot in the home anymore.
Expense coverage for the PR of an estate
I have been the legal guardian for my mother-in-law. She has recently passed away and I am the PR for her estate, approved and documented by the local courts. I also don't live here full time, but I've had to be here regularly for several years in order to maintain the property which is an asset of the estate. Now I am undertaking the remediation and reconstruction after damage from Hurricane Mathew. Am I entitled to all that the owner would be, such as ALE, etc.
Lost some clothing in attic fire, how do I value clothing?. I am stressing here.
How do I value clothes lost in attic fire? And also antique bed that was there. I am really struggling with this contents list. Thanks
after desperately settling
After waiting over 2 yrs. And desperately settling on 25,000 which was the amount my attorney pretty much told me to take and run because i would'nt win in court due to my home and auto fire 7 yrs back. I didn't seek an adjustor and for some reason that seemed to have made it hard for me to get attorney assistance. I was made to feel like crap for not. Long story short i was so at thee end of life it seemed. When i finnally found one i was numb and sooo desperate. All i could think about was getting back into my home. After a couple mnths of dealing with this attorney i began to feel my gut rott. There i was with having to ignore my instincts, which told me my claim wasn't being faught hard at all. when i met with him to sign settlement it now went from 25 to 16. I need to kno what does 'with prejudice' mean and can i ask for more money to finish my home? I kno i was screwed.
Water Damage
Recently our dishwasher died. We knew the washer was old and replaced it. When the plumber delivered the new machine he discovered a lot of water damage behind the washer. The machine had been leaking for several months, but we never saw any evidence of water leaking out. We had no clue the washer had a leak! We called our insurance company All-State. They sent an adjuster today. He said the water damage wasn't covered because the washer had been leaking for several months. We told him we never saw any water damage because the damage was behind the dishwasher. This is insane! What's the purpose of having insurance if the insured is supposed to be a fortune teller? This makes no sense to us. We knew we didn't have flood insurance because we aren't in a flood area! But this caused by a slow faulty leak? Makes no sense to us! Please advise?
Seterus/QBE Property loss department and flood insurance claim.
I suffered a great loss to my home in Baton Rouge, La on August 2016 as a result of flooding. My insurance coverage is sufficient to rebuild and I was paid an advance toward the settlement to assist with repairs,unfortunately I had to send the check (10,000) to Seterus/ QBE property loss department who refuse to release the funds. Is this legal and what can I do to get them to release the proceeds? Mortgage is current,never late and I have forward all documents requested. This is a frustrating process and I am disappointed ,currently I am paying a mortgage as well as renting a apartment and do not have the funds to preserve my home. What should I do?
A store installed a DW in my home that leaked steadily 10 days. Their adjuster wrote an est. that said at least 100 SF of subfloor had to be removed and replaced. But he ignored the costs of removing and replacing the cabinet that was on top of that sub-
floor. The ins. co told me to take that check and that I could submit for a supplemental for the rest of the work. They would not admit that I'd be required to sign a release for that check until I pressed them. I asked for a complete estimate but they refused. I refused to sign a release so got no financial help. Meanwhile my food costs were destroying me financially. (There was nothing in the kitchen...not even a floor.) I have many before photos and photos taken the day demolition was completed, all my receipts from workers. My atty says my photos and receipts are not enough but that I need a contractor to give me an estimate that supports that my expenses were a necessary result of the DW leak. He would have the benefit of the photos of the kitchen before any work began and after the demo was done and of course how the kitchen looks now. Who would do this type estimate for me?
Upgrading vs Replacement only -- Subrogating vs Not
We are worried that the responsible party for the damages might say that since we upgraded we are not due the full costs of repair. In that case do you recommend subrogating with my insurance company, get the check and then do the upgrading and repair as I want to? I guess that I can wait to subrogate until everything is completed and then chose to subrogate, if not satisfied. My insurance company adjuster is reluctant to give a Dollar amount of his estimate to me. The contractor selected with my approval seems very high priced. Can I fire him?
I recently had flood damage to my home and have a NFIP policy. I've received a building cost worksheet from the adjuster that include a payout deduction for itemized recoverable depreciation. Based on this, I am assuming that my policy is for actual cash value versus replacement cost, but I cannot determine which I am paying for with my premiums. I've discussed this with my insurance agent and the adjuster but no one seems to know how to determine this, so they just default to ACV. My questions are: Despite what I keep reading in NFIP and FEMA documents, are RCV policies even available? And, does "recoverable" depreciation mean that I can somehow file for compensation for the deduction?
How long can a mortgage company withhold your insurance check before dispersant monies for repairs
Our mortgage company has had our insurance check for 95,000 for one month now without any disbursement of funds to us thus far. The flood that was for proclaimed a disaster or President Obama happened on August 13, 2016 it is been three months and we still do not have or have not received any monies for repairs even after getting a insurance check with our mortgage company or companies name loan depot p.m. on the check as well as both my wife and myself, we were told to endorse it and overnight to them they would do the same. Instead of mailing it back they deposited the check, now it has been put in a third-party escrow account contingent upon us hiring a contractor with a complete checklist of a plan to rebuild, I am a Louisiana state contractor, We had to send them several documents to provide proof of this which took them another two weeks to process, what is the legal time tch
A big store installed a new dishwasher and left it leaking and it caused significant damage. Their insurance company admitted responsibility but would not offer near enough to cover repairs. I made a homeowner's claim but my homeowner's adjuster colluded
with my homeowner's claim handler and she's giving me a hard time...making false assumptions and refusing to look at the photos and the facts. The adjuster my homeowners sent out seemed to agree with me as to what my damages were. He took lots of photos and took copies of all my many photos. But the insurance company for the store talked to my homeowner's claims handler and they totally changed what I believe the adjuster wrote up who came to my home. My homeowner's claims handler refuses to send me the man's report and will only send me the first 6 pages of the 30 page estimate. What can I do to get the records and what can I do, short of suing them, to get them to pay to repair these damages to my home? Is it illegal or just unethical that they colluded against me. I have lots of proof of my losses but they refuse to look at the facts and just keep assuming things are not not true.
custom cabinet destroyed by water remediation people
A store replaced my dishwasher in my peninsula cabinet that basically sits in the middle of my 12x22 kitchen. The DW was left with a continuous drip at the connection that soaked into the subfloor over 10 days before it was discovered. The store's adjuster said half the subfloor in the room was ruined and had to be replaced. The store agreed to pay a water remediation company directly (a company they like to use). The water remediation people cut my cabinet up and broke my laminate countertop during the removal and the cabinetmaker and carpenter say they are not reusable. Now the store's insurance says they don't think they should pay for the cabinet loss. An adjuster friend of mine says it is collateral damage and they should have to replace it...actually says they should have to replace all the cabinets since that was about half my cabinets and they are hard to match. What is typical?
What does scope entail?
non-renewal vs cancellation
Insurance Claims
What rate do insurance companies use to compute painting repairs? so much per square foot?
In reading our claim , the adjuster decided to remove all hardwood floors . This does not include replacing duct work heating and air . I dont agree with his assesment.Alot of things were missed.More money ,also will the bank only allow whats on claim
Bad adjuster. I don't agree on the amount of money plus many repairs were left out ,the duct work ,heating and air, just a few of the things that were not included. Not possible to pull up all my floors for the amount stated and replaced.. Plus a stupid idea. We have a check but haven't given to bank. How much say do we have where and if the work should be done? Is the bank in charge?
Home claim
We have a home claim in process. We had a leak from our kitchen faucet. All the bottom cabinets have been removed. We are living with no kitchen sink or dishwasher. It makes it very hard to cook. We have to buy convenience foods, and eat out. Am I able to turn these receipts in to the insurance for reimbursement? If so how do I go about turning them in? Do I need to call adjuster and tell her, or just mail the receipts to her?
Insurance settlement
I had damage to my roof in February/March with back to back ice storms and snow. The weight caused damage to my roof. This was finally all settled on 9/12 with a $25k settlement of which I received $12k to replace my entire roof. I had already taken out a $1500 loan to patch a part that was very dangerous. I didn't get enough to rebuild my roof so I'll have to get s loan for the rest. I had no idea what I was doing. It was a complete disaster. My question is will this cause my insurance to go way up and will I have to pay taxes on this? Thank you. Vicky Face. I am extremely stressed over this ordeal and have been treated with so much rudeness.
Insurance Loss Claim w/Mortgage company. What happens to the escrow claim check provided by insurance company if I the homeowner and the mortagage company cannot come to an agreement on dispersment of funds ?
Its been 36 days since my insured loss on my property, insurance is sending a check now. Fire damage caused by adjacent neighbors fire. Approx. $15,000 for siding, windows and shingles and another $15,000 for tree, shrubs, fence and landscape. I have paid to get this work done out of pocket prior to getting my claim settled two weeks ago. I paid $30,000 out of pocket to fix my property damage. My insurance is sending settlement check to mortgage company for escrow, approx. $28,000. Now mortgage company doesn't want to release money because I didn't follow their process contracts, waiver of lien, contractors W-9, intent to repair doc. etc... The work is done 100%. Can't I just request them to come and inspect and receive the whole claim check because the damage is all repaired ? Can they attempt to force me to follow their methods and procedures if the work is already done ? NY.
Declared disaster, related CA insurance code and insurance company not following
I lost my home in the Valley Fire. My insurer has mishandled my claim from the beginning and after filing a complaint with the CDI, there has been someone from CDI available to contact about problems with how my claims are being handled by my insurer. But this has not stopped the adjusters from ignoring the legal requirements that California says they must follow. I have asked for copies of all documents contained in my claim file used to process the claim and the way depreciation was determined and applied to my personal property claim but was told there is nothing there to copy. My request to be reimbursement of expences that should be paid under my ALE (storage fees for damaged items stored while the claim is processed) were instead applied to my contents claim. The estimate I rec'd is $184 sq.ft. but actual cost to build is $230 to build. If the state won't help how do I proceed?
NFIP Flood insurance payment
Our insurance adjuster mentioned something about the NFIP will only pay the lesser of what they estimated or what it cost us to rebuild. So, if our damage estimate is $80,000 and that is what the NFIP agreed to pay, but we do the work ourselves and it only cost $70,000 to rebuild do they have the right to make us pay back the $10,000 difference? The main reason for asking is because our mortgage company is bullying us into using the money to pay off our mortgage. Therefore, we will be out of pocket for the repairs we will be making and could not afford anymore expenses. It's not like we are pocketing $10,000 since it is going towards our mortgage.
Best way to handle a claim
Water damage caused by the condo above. Should we use only the condo above Insurance company or get our Insurance company involved. Is there a time limit to get cost estimates to the insurance company. Don't understand Insurance claim "Pursuant to our interpretation of California Fair Claims Patrice Act a decision to accept, deny or submit a 30-Day Extension letter, as to claim presented, is due within 40 days from date of receipt of proof of loss." I had to request the Insurance estimate by e-mail, is receipt of loss to day I received their response. Water damage occurred on June 30, 2016. I contacted our Insurance on 6/30 and the other Insurance company on 7/1
Property loss insurance obligations
Our house destroyed by mildew by roofer neglect during storm. Total destruction and rebuild estimated at 6 months. Job underestimated. .6 months to demo it. Insurance paid our alternate living place rental for 6 months. Having to fight them for another 4-5 months of rental even though house is a skeleton with outside walls and inside foundation lumber only. We're surprised--who was supposed to be monitoring the demo work ...we had no idea they would fight on extending.. the reason was a slow restoration company who were often there 1-2 days a week in the last months,.. the restoration co and our insurance agent miscalculated by 5-6 months. Do we have to pay for a place to live for the next 5 months .? Not our fault they took so long to do demo? Thanks. Insurance provider is Allstate. Now National General (?) is our insurer.
Taxable payouts
Question Restated: Our tax adviser says we must pay taxes on the difference between our insurance payout and the “cost basis of house.” He calculates home cost basis as what we paid originally + upgrades. (This sum is much lower than what it would cost to rebuild or what its fair market value was the day of the fire.) It does not seem fair... plus according to this article (http://finance.zacks.com/homeowners-insurance-loss-payouts-taxable-8925.html) since it was our main home we should be able to exclude <$250K gain>. Who is right?
Texas claim against the Water Supply Corporation Insurance Company
I have a claim against a water supply Corporation in the state of Texas which is listed as a nonprofit organization I do not have homeowners coverageI'm over 50 and on disability I simply can't afford it the claim was filed with the water companies insurance for the damages they calls to my property I'm assuming they are considered a third party liability insurance do they have to pay me actual cash value replacement or they allowed to depreciate the values considering I wouldn't be replacing it if it hadn't been for the liability of the damage they did to the property which is water damage 2. there long time leak saturated the ground for months well over 5ft in the ground one of my red oak shade trees they cut down do they owe me for the value of my shade tree
Doing the work myself
We are not real happy with our contractor, and may let him go. If we decide to finish the work ourselves, can we still get the O and P? If so how hard is the fight, and do people usually win that fight.
Inconvience compensation
Our kitchen faucet was leaking under the sink cabinet and we didnt know it until too late. We hired a contractor, who took out the whole caninet. So this cabinet had the sink and dishwasher in it. We have been without a dishwasher or sink for about 2 1/2 weeks now. I'm washing dishes in the bathtub. Also since it so hard to wash dishes, we are eating a lot of premade food from mostly Costco since my husband works there. Eating this way is quite a bit more expensive. Should I get reimbursed for all the inconvenience and extra cost?
Depreciation in a home claim
I have a home claim in progress. They sent an independent adjuster to our home. I have received the estimate. There is quite a bit of depreciation in it. For instance our carpet was damaged becauae of a water leak. The RCV for the carpet is $1,846.91, and the depreciated amount they have in the estimate is $1,539.09. The carpet was only 2 years old. I think the reason they depreciated it so much is because when the adjuster came over, the carpet was a mess. I knew we were ripping it out so i hadnt vacuumed. I could have vacuumed and shampood it, and it would have looked great. They probably wouldnt have depreciated it so much. Have Can i fight the depreciation?
Mortgage communication issues - insurance claim settlements
PennyMac seems to have the reputation for this...8 weeks after the disaster, 10 phone calls, 4 emails and we still don't have a "Claim Kit" to send the proper paperwork to them for our repairs to get started. They sent me a 2 page fax with no instructions or checklist and no address to send a completed kit to. They sent 2 Fed Ex labels for me to track but never used them to mail said claim kit. I just sent the "complaints dept" person I was assigned a 3 page email very detailed in everything that's happened so far. How do you know when it's time to seek legal counsel? Do I warn them that I am doing so? What can I do without making the situation worse for us as homeowners? Being a flood victim, it will be hard to pay legal fees & won't qualify for low income legal assistance. I don't understand how a company can get away with this with so many people without facing consequences.
Hurricane Matthew
I have a vacation home near Daytona Beach, because I am in Kentucky do I need to physically see damage myself before calling my insurance co or can I go from pictures of my home from neighbors?
Personal Property Insurance
I was robbed filed a claim and I need help to understand the term, "Insured is responsible to select Stated Limits." I had total 10 jewelry items and out of 10 only 5 are covered and other 5 became over the stated limit. Adjuster decided to pick only those items for which I have coverage from my credit card. Who should decide which items to pay from which insurer? The claim is about $40K, do I have to include it in my tax returns?
2 claims for same damage
In July 2016 I had a roof leak during a storm and filed a water damage claim. It DID NOT hail that night. The mitigaton company covered my ridge vent with ice and water shield for emergency purposes to protect my dwelling, as this area was thought to be a contributing factor to the leak. My insurance Co. Paid for the replacement of these few rows of shingles that the ice and water shield was nailed into since the shingles now have nail holes in them. During our walkthrough, my contractor noted hail damage to my roof/siding. Had to file a separate claim. An entire new roof/siding is being covered under the hail claim. Since my entire roof will be replaced under the hail claim I didn't replace the nail holed shingles. My Ins. Co. Took the $ paid to me (under the water claim) for replacing the nailed shingles & deducted that amt. from my hail claim. Am I entitled to this money?
High Risk Insurance Policy
I filed a burglary claim and then lost my house to a chimney fire; both claims at around the same time (12/2013 and 1/2014). The house was completely destroyed in the fire. I had to sue the insurer over the terms of the policy, and won the case; however, after the lawsuit, they cancelled the policy because the property was unoccupied. That has all been resolved, and I am now looking to purchase a new home. I am finding it difficult to purchase a policy, though, because all of the insurers consider 2 claims in the last 5 years too high a risk. Do you guys have any guidance on what I can do now to find an insurance policy?
Water damage claim
Thank your for your answer to my previous question. I'm a little confused by the answer I received. If I use the company that the insurance co. provided for repairs to complete a portion of repair work, do I have to use them for all of the work? If I understand your answer you are saying that I have to have the work completed in the estimation as is and make no changes? If I can stay within the amount allowed why can I not make some changes? The house is free and clear. I do not know if that makes any difference.
Trying to fill out proof of loss statement. How do i determine ACV/ RCV
I just had a fire to which I am guessing will be deemed a total loss, dwelling and contents. I am trying to fill out proof of loss statement....how do i determine ACV/RCV that I need to include on the form. And where it asks for LIMIT OF LIABILITY AMOUNT CLAIMED is that the limit AMOUNT in my actual policy. Thank you for any help. this is so overwhelming. Do i need to fill this out and send it in before I actually here from my insurance company as to whether it is going to be a total loss claim or an I obligated to send it in ASAP?.
claim with insurance co. for water damage
My insurance co. did not have an adjuster come out to assess the damage to my home.. They had a restoration and repair company come out and prepare an estimate for repairs. They have already deposited the funds to repair the house into my account. Am I obligated to use this company to repair all the damage or may I have them complete only certain items? I have a family friend that can do the cosmetic work such as installing floors and painting. for much less that the restoration company will charge.
Fire Claim
We had a fire over three weeks ago - August 31st, reported the claim at 7 am the next morning (entire home, most likely a total loss). The adjuster came September 9th and we haven't heard anything since. Is there a legal limit that they have to let us know what the answer is when the home is completely unusable?
Forced overinsurance for contents
I saw in the Florida Ins Consumer Protection Guide contents ins is not mandatory. I've asked to not have contents insurance from policy inception because the value is low due to our immaterial living habits. The request has been refused and I am greatly overinsured. The underwriter refuses any modification although my agent has been to our home and verified this. The deductible is high and no claims made. So now I am paying for contents that don't exist. We would be fine with no contents insurance versus being grossly overcharged. We don't even own a toaster or a microwave! What can I do?
Accepting a insurance payment
We lost our home due to a fire August 31. We have farmers insurance and they completed an evaluation and are wanting to pay 65% of the insured value after depreciation. We feel they underestimated the cost of repair to the extreme. They were insisting on sending a check which would go to my mortgage company first and my mortgage company would send us a check for the balance. Even though I sent 2 emails to the agent telling her we are not willing to accept a check at this time , she sent the check to my mortgage company. Does this mean we will not be able to collect any more on the dwelling since they sent a payment? I want to get my own estimate the agent said they can't ethically hold on to the check. Thank you.
legal fees as an incurred expense?
I lost my home to fire last year. My insurance co. sent a check, payable to me & my insurance co., to pay off my mortgage. The amount was the exact amount per the mortgage company's response for a loan payoff amount. This was Nov. of 2015. The morgtage company, which gets very poor customer ratings, refused to credit my account with the $136K & has held the $136K in a "reserved escrow account" stating they need a letter of intent to payoff the loan & a CURRENT pay off amount statement. The mortgage company has tried to sell my burned house as a 3bd 2 ba 2100sq ft home at auction 3 times! After trying to deal with this extortion myself for 10 months, I hired an attorney. After a month of work the mortgage company legal staff admit the mistake. Can I claim the legal fees incurred as additional expense from my insurance? Can I sue for extortion in civil court?
My Insurance Company is refusing to pay with my homeowners insurance for a broken sewer pipe in the slab of my house. Can I appeal this? If so, how? Other insurance companies have paid for this repair with Homeowners Insurance.
I called Roto Rooter to check on my plumbing problem when my washing machine drain started overflowing leaking water under my washing machine and my kitchen sink drained very slowly. The problem was evaluated and determined to be a broken sewer pipe in the slab of my home that was built in 1972. We called State Farm and were told that this is considered a maintenance problem and not something they would pay for. Our house was one of the homes recently flooded in Baton Rouge, La. and State Farm proposed we call our FEMA Insurance Adjuster and report the problem to them since the pipe was potentially displaced during the recent flood. I did call FEMA and was told that they would most likely not pay for this either but my Adjuster is checking with her Supervisor and to call me back. I am asking if I can appeal the decision I was given by State Farm and if so, how do I do this?
Homeowners Insurance - Denial
I recently got engaged and wanted to insure my engagement ring. Liberty Mutual told me they wouldn't insure me because of past "multiple claims". Over 2 years ago, I lived in downtown Denver and had my 2nd bike stolen (u-locked to a bike rack - they left the front tire). The first bike was stolen near the same area about a year and a half earlier (at that time I thought a cable lock was sufficient - not). The bikes were ~$200 each and the claims added up to be minimal (~$500 total). Now I am unable to get insurance for my ring because of these claims. Denver is known for high bike thefts but maybe I should have known better than to file the claims. I naively assumed that insurance was here to help me in such situations. Do I still have rights to insurance? Is there any hope for a recovering from this or am I doomed to never qualifying for property insurance?
value of books per foot
My house burned completely in the Butte fire. I am trying to estimate the value of my books I lost from my library. Is there a current estimate for the value of books per foot for fiction/nonfiction and technical/engineering books that is accepted by insurance companies? I am planning a trip to Stanford University bookstore but if anyone has a current figure at hand that would save me a 300 mile round trip!! Thank you in advance for your help. Rosemary Wilson, Arnold CA
Multiple Water Source Claim Denied
We recently had a basement flood that the restoration company and field adjuster agreed was from multiple sources - bad roof flashing on one side and a foundation crack on the other. We now have mold in our basement (flood happened two weeks ago but adjuster just came out today) and they denied all of our claim. Is there anything we can do? At minimum we must get the mold remediated, carpet torn out, and drywall fixed. We have only been in the house for year! Please advise. Thank you in advance for your help. PS - we have Safeco.
Flood Disaster Connellsville
Home was destroyed by 4 ft water it is one level, sits on ground, no slab. city engineer came and deemed our home as for demo. After the flood adjustor came, we informed him about the demo, they want to send an engineer to investigate the findings, 4 to 6 weeks in the meantime we are in 30 day temp. housing. Mold has been growing and the flood insurance engineer is telling us we better not let the city demo home until they get their because our policy states we are to have home available. It's been 2 weeks and it is available. Any advice ?? Thank u.
Insurance claims
Elder/sick parents had to move in with their children (in another state) so the home went up for sale and was still insured, but the home was vandalized/broken in to.....can a insurance claim still be filed on our parents home?.... NO because it was worked out that the house would be rented to family in the same town but it never got to that point after the vandalism
Great Flood of 2016 - NFIP Settlement
My home was flooded in the recent floods in Louisiana. I did not have a mortgage and had flood insurance through the NFIP. My question is if whether or not I have to use the settlement funds I may receive from NFIP on reconstructing the house. I am a retired senior citizen and not physically up to the task of managing a major restoration and would prefer to relocate. Can I use the settlement funds as I choose and sell the house as a shell?
NFIP supplement process
We just received our proof of loss and cost of repair forms to sign and return. Some of the amounts on the line items are way out of line and won't cover the costs to replace. It was explained to me this total was a starting point and there is a supplement process to cover overages. Is it safe to sign these documents and submit to start the process or should I contest the amounts in question now. What documentation is needed to supplement a flood claim? I was told to send in receipts but if I don't have the money to pay I can't get a receipt. Are labor costs able to be supplemented in this process?
Proof Of Loss- LA Flood
We had 6ft of water in our home in Denham Springs, LA. We were one of the fortunate and do have flood insurance on structure, not contents. We are actually over insured on the structure. Allstate sent a Proof Of Loss and requiring we sign and send back, It is broke down room by room, however I don't know that the total they have will in fact cover everything, we called and they stated that this is just a starting point to get the ball rolling, and if there are additional costs incurred we will have to open a supplement claim. Of course we have never been through this process, just wanting to get conformation this is all on the right track? I appreciate any information. Thank you, Kim Adams
Louisana flood
We own a home and rent it out in Baton Rouge . We did not have a flood policy becaue we weren't in flood zone . We had regular insurance . We have been told by fema that we don't qualify for any assistance other than a sba loan because we rented our home out . This doesn't seem fair to me that we aren't eligible to receive any free assistance . We lost our tenant and have sustained great damage without coverage .
Home insurance coverage
We got slammed with golf ball size hail. insurance adjuster came by and pretty much only cover ruff and guters. It is not close to enough. Our landscaping has been ruined, trees torn apart , fence has holes, grass is gone, paint on our house is chipped even dented garage. What should I do?
ALE Self Moving Expenses - my time spent as opposed to hired movers
Total Loss House fire. After our rebuild, we moved from our temp apartment into our newly reconstructed house. I assume that moving expenses are covered (truck, boxes, etc.) Will insurance also reimburse me for my time spent to move if I do not hire contract movers? I.E. It took me 8 hours to move myself as opposed to hiring 2 guys for 4 hours each.
my home burneed down 5 months ago it is uninhabitibal to live in. insurance says additional living exspences covered is 11,808.00 but after 5 months they quit paying because they said that was enough time for me to find a hoime. question details
the policy reads as follows: 1.) We will pay the reasonable increase in living expenses nessesary to masintain your normal standard of living when a direct physical loss we cover makes residence uninhabitibal. 2.)payment for additional living expenses as a result of covered loss will be limited to the least of the following 1. the time period it takes to repair or replace the property we c over using due diligence and dispatch. 2. if you permantley relocate the shortest time for your household to settle else where or 3. 12 monthgs from the date of the loss or damage. there telling me two months was enough time to find a home and quit paying living expences. they said thats reasonable amount of time to find a home. i told them my husband passed away this first time without him after 30 yrs. I'm scared but been looking very hard plus market house goes in one day
I was over charged on cleaning due to smoke damaged. I asked the company to remove the overcharged items, and now they have me paying more than the original invoice.
Payments Wired to My Account
When I initially spoke with my claim adjuster, she asked if I'd like to have funds wired to my account for ease of payment. I thought it was a good idea, but now I'm not so sure. My claim is in the asbestos abatement and debris removal stage. Although I informed my adjuster that I had not signed the residential contract for services nor the work authorization agreement, she wired the amount that was on the work authorization, less $6,000, to my account. I received a letter a few days later that says "Your endorsement of the check(s) represents acceptance of the offer(s) of payment, but does not constitute a release of this claim." I'm afraid that when it comes to the reconstruction phase, that she will do the same, except it will constitute a release of the claim. Can I request that the electronic deposits be canceled and that all future payments be mailed?
I just completed my house inventory on the UP Help app. Is that sufficient, or do I need to do more??
Insurance Company
Is there something legally wrong with an Insurance Company adjuster saying they will get another contractor for the homeowner when you, the contractor already have a contract with the insured?
Hiring a Forensic Estimator/Private Adjuster
Should I wait until the insurance company issues me their dwelling repair estimate before hiring a private adjuster? My policy is not that much to begin with, so I don't want to spend too much of it in the event that, although unlikely, the insurance company gives me the total amount of the policy. Thanks
Payment to Contractors
My home was recently destroyed in a fire, and I signed a contract with a company for asbestos abatement and debris removal before thoroughly reading the contract. After reading, I discovered that by signing, I authorized the insurance payment to be given directly to them. I realize I now have no choice in this matter, however, I would like to know if it's standard practice for insurance companies to issue full payment prior to work being done, or if the payment from the insurance company can be broken down into two payments, one payment for deposit and the other after completion of the work being done. Thanks for your help
Do i put in a claim for smoke,soot, and ashes?
I am living in a single home across the 5 freeway , 1 mile away from the sand fire. I have soot, ashes all over, in my home, in the attic, the pool, and backyard; but no fire damage. My home insurance is Travelers for $1025 /year, and my deductible is $2,500. Do i put in a claim? I spoke with a lawyer whom says that my claim can go up to $25,000. I told him I do not want to have a raise or cancellation of coverage. He told me that even if I do not claim, it will go up because insurances go by zip codes. Can you give me some advice please? Thank you.
Content List - Salvageable or UnSalvageble - Need supporting product data, processes & or any helpful information. Please assist.
We're struggling with the content adjuster's list (unsalvageable or salvageable). Our home is uninhabitable due to fire&extreme heat.The garage&attic are non-existent&our kitchen is completely destroyed;as well as is..most of our home. EX:Adjuster states Glass cookware in kitchen,uncapped Liquor in bar cabinet & wine glasses in D.R. Cabinet are salvageable,etc.The corks popped out of wine bottles on china cabinet&cabinet glass shattered.We need assistance on the Health&Safety aspects; as well as supporting proof of future product stability.We pay extra for Full Replacement; however, we feel that the adjuster is greatly depreciating all & stating salvageable.I've reached out to a well-known cookware manufacturer; & at least, now have supporting data stating"DO NOT use".In addition,Adjuster has failed to list many items or has listed incorrectly. Thanks.
Examination Under Oath in Ohio
I have been asked, under the terms of my homeowner's insurance policy, to submit to an Examination Under Oath (EUO). I am currently unavailable to do so in person and have offered to submit via skype, as well as by phone simultaneously, if the connection is not acceptable to either party. There is nothing explicit written in my policy that precludes me from participating in an EUO in this way. Is there any precedent in Ohio law that prohibits me from submitting to this EUO electronically? Thank you for your time.
Medicare part B or Company health care group insurance is a primary insurance? Can the company change a disability status to retiring status to force disable employee to take Medicare part B as primary insurance?
I have been on disability and receiving disability benefit and health insurance from my previous company. Recently, I was offer Medicare part B and since I'm under 65 years old, disable and my employer has more than 100 employees so I believe that my current group insurance should be my primary and so the company also told me so so I declined medicare part B. Now my company heath insurance told me that my status has changed to retired so Medicare should be my primary care and so they withdraw their coverage as primary care and only pays as a secondary care. Since I had declined medicare so I have to pay out of pocket a large portion of my heath care cost. I had stopped working from the company because my disability and not from retiring. Can the company do that? Told me one thing and do differently? Also it seems they cheating on medicare from changing my status isn't it?
Bad faith/fraudulant claim
We discovered a flood in our home as we arrived to move into the home on 6/28/16. Travelers' adjuster misjudged our damage, estimating 1/5 of what four contractors estimated to do repairs. Travelers then brought in a large loss adjuster on 7/25, nearly a month after discovering the flood. Along the way, Travelers made many mistakes, which we have documented, several that put our family, including 3 young daughters, at health risk. On our behalf, our agent contacted the adjuster's boss to raise concerns. Yesterday, on Day 45, the adjuster sent the final estimate. We now have evidence that he has acted with malice, has lied to us, misled us, and we believe has now engaged in fraud. We have documentation and all communications. Our agent is meeting with the travelers regional manager on Wednesday. We don't know what the next step should be. Insurance commissioner? Attorney? Please advise.
Mortgage and Insurance Claim
A relative had a house fire in which she received an insurance claim check, which is being held by the mortgage lender. After the fire the home went into pre-foreclosure. She then decided not to do repairs and sell the home. With a cash buyer and the insurance claim check, she has enough to pay off mortgage with +$100k remaining. However, the lender is refusing to apply the insurance check to her principal balance, which would force her to do a short sale. Can the lender keep the insurance money without applying to the mortgage balance? and, what about the overage? Can they keep any money above what is owed?
rental payments
I heard soon after the Valley Fire in California, Sept. 12, 2016, that it had been categorized as a National Disaster and that because of this, there would be living expenses, rental payments in particular for those with total loss structures, through 2 years. I have not been able to verify this in all the research I've done. I hope you will be able to answer this question for me, and also advise me what to do to get this help. My insurance company is American Modern Home Insurance. Thank you.
Auto insurance claim denial and negligence
I was in an at fault auto accident and I had actually upped my coverage minutes before the collision. Ironic but grateful for doing so but then my auto insurance has denied coverage when the police report clearly states the accident happened after the coverage change. They tried to argue because someone called my phone minutes before making the policy change that the accident somehow magically occured when my phone rang. At the time of repair estimates the agent doing the estimate told me my car was going to be moved to their repair facility. Three days after that the active agent in my claim told me they had not. my car was stolen and stripped in between those days. I have been forced to make a 2me claim for theft and they are still not providing me with the coverage paid for. My stress level is affecting my health. They won't reply or call back when I message them. What do I do?
Insurance claim for loss of personal property in a fire
My insurance adjuster has asked me to provide receipts to support my personal property loss claim and a narrative substantiating my loss. What is a narrative report for an insurance claim of this type of loss and what type of information would the narrative contain? Would you have an example of a narrative report? What is the purpose of a narrative report?
Mold limits/abrogating against remediation company
I live in Florida and have had an extensive water damage/mold claim that I hired a public adjuster to handle. The insurance company invoked appraisal, and the out-of-state umpire determined that mold was accountable for $15,000 of damage although our mold remediation bill totaled $9,500 (we have a mold cap of $10,000 per claim). Secondly, the bathroom tile floor was damaged during remediation and was included as part of the umpire's award. However, the insurance company is refusing to pay the $4,300 floor tile repair portion of the award stating that I must abrogate against the mold remediation company to recoup that loss. Third, my public adjuster is holding the check issued by the insurance company hostage, insisting that I pay his fee prior to endorsing it over to the mortgage company. Please help!
Covered Loss from an I S O declared catastrophe, for the state in which the residence premises is located, the limit for Extended Dwelling Coverage shall be up to twice the percentage shown for Ext. Dwelling Coverage on the Declarations page.
We were a victim of the Valley Fire in Calif. 9-12-15. Was this fire declared a disaster by the State of Calif. ? If so does our Safeco Ins. Policy of which has a $191,600. limit mean that we would be eligible for twice that amount if we chose to re-build ? If we tell Safeco we want to rebuild and start the process rolling and hire an architect and engineer to draw up building plans and then change our minds due to the County of Lake saying we don't have enough of a setback away from the creek to build on, would Safeco be libel for paying those costs ?
Insurance Company and Builder are too far apart in their estimate of reconstruction; Ins Co is way too low
While working on contract in Toronto,a 2nd floor toilet tank broke in May, leaking for several days in our 2nd home that we were going to move into July 1. It was discovered by a renter that was going to have it for the month of June. Our Insurer's estimate is $45K to rebuild: new poly and insulation in crawlspace, 900 sq ft of wood floors, flight of wood stairs, Kitchen cabinets, 3 ceilings, drywall up to 2-3 feet in 4 rooms, new bathroom (toilet, floor & wall tile, vanity, closet). And they are disputing that we need new electrical. Our builder is at $139K. And we have 5 independent quotes at $100K - $150. We are 60 miles from NYC, on the coast of NJ. Seems the Ins. Co. is giving us an estimate for Florida, their base. They also confirmed in an email that living expenses would be paid for, but now they say no. And, we just received a Reservation of Rights letter. What can we do?
Arbitrating a Fee Dispute with a Public Adjuster
We are firing our public adjuster, who has done a very poor job of representing our claim to the insurance company. We are certain that there will be a dispute over the fees, because we do not believe the PA earned all of the fees they are trying to collect. How do we initiate arbitration (which is required in their contract if we can't resolve the dispute with them), and how much can we expect to spend on arbitration? Would the threat of our filing a complaint with CA DOI or CAPIA cause the PA to flex on the fees? Our complaints are legitimate and well documented, including bait-and-switch, poor communication, submitting claim documentation on our behalf without our review or approval, lying, ignoring our questions for inordinate amounts of time. We complained in writing several times, and the service never improved.
Insurance company payout on Water Loss
An adjuster told me they use SimSol and they will only pay what SimSol pays. I provided an estimate in Xactimate and it was $2300 more. They will not budge. My agent while helpful has his hands tied, and the adjuster's boss says the same thing. What would be my next step to get an accurate pay out from my insurance company?
Insurance Adjuster requesting Mortgage Contact
Should the Insurance Adjuster be asking me for the Mortgage Company contact and number after a fire? Isn't this information already on file when I purchased homeowners insurance?
Long term disability offset
Can 401 k funds or the employer contribution portion of a 401 k plan be used as an offset for long term disability payments in Pa. even if the funds have been exhausted prior to age 59.5? Thank you
I loss business inventory in a garage fire, what do I do
I a entrepreneur, having even launched my business yet, I only registered it in 2011. No money made yet. I didn't put business inventory on insurance, cause I was just building my inventory didn't think to do so. I REALLY really wan/NEED all my business inventory to be fully replaced. I totally was taking a leap of faith with this and to have this fire do this to me is perplexing, discouraging, etc., what do I do.
Public Adjuster Problems
1. Why would a PA NOT want you to kick problems upstairs at insurance companies, when UP seems to recommend doing this? 2. Why would a PA have you halt a request for assistance to the CA DOI when that request involves only the insurance company and not the PA? 3. What is the process when you need to switch PAs? How do you negotiate getting out of a bad contract, when you have legitimate reasons for being unhappy with the provided services (e.g., bait-and-switch, lying, disrespect, egregious errors, blaming the claimant when the PA has made huge mistakes)?
Water Damage on Residence
I have a $10,000. limit on fungi and or mold. The damage has been agreed to be water damage with ensuing loss or fungi or mold resulting from water damage. Can they limit the remediation to just $10,000. Also, there were two covered events; 1. Water pipe broke 2. Roof leaks.Thanks
Insurance coverage for water leak from my condominium into common area of building
I live in a condominium unit in a high-rise building that has a common interior hallway. Two weeks ago, water leaked from my unit into my downstairs neighbor's unit and into the common area. The hallway carpet was wet, and the wall between my downstairs neighbor's unit and the hallway was wet. My insurer says that my Condo Unit Owners policy covers my unit, and my neighbor's policy covers his unit. He says that the common area, which belongs to the HOA, should be covered by the Master Policy for the HOA. The HOA says I am liable for damages to the common area, and their insurance will not cover it. I also have an Umbrella Liability policy. My insurer says that this policy does not cover damage to the common area because I wasn't negligent. Is this reasonable? I feel like somebody's insurance should pay. Isn't that why I have insurance?
household inventory and depreciation
I suffered total loss of home and contents during a fire. The insurance company has provided an excel spreadsheet. May I use your spreadsheet instead - it's in a different format? Also the adjuster's spreadsheet requests place of purchase (store name) to assess quality of goods lost and their value. I have purchased the vast majority of my items in consignment stores and thrift stores. How will this affect my claim? Many of my belongings were older than the expected life listed on your depreciation guide. They were in very good / excellent condition. Am I right in thinking that if I replace the items I will get reimbursed for the replacement cost but if I do not replace them they will be depreciated 100% and I'll receive nothing for them? Thank you for your help!
Mold remediation following burst pipes
Hello. I had burst pipes spray water in a 2000 sq. ft. cabin from late January until late March. The humidity level was at 75% when we entered the structure. I am concerned the remediation company will not be able to completely remove all the mold. The structure is down to the studs. I am looking for good resources on mold removal following burst pipes. Also, how does that type of moisture effect sill plates and top plate in the long term, will they rot? Thanks. Love your site.
Additional coverage for California policyholders following a Catastrophe?
Our home was destroyed by the 2015 Round Fire, a California Catastrophe. We have extended replacement coverage-- 50% additional coverage. That is good, but will still not be enough to cover our rebuilding costs, particularly with the demand surge after the fire. I have been hearing from various sources that there is an additional 20% that is available to all homeowners following a California Catastrophe, but also that, no, any additional coverage would simply be that purchased by the homeowner, i.e., our extended replacement policy. So, I am confused. Can you clarify?
I got my car stolen and the insurance company wont pay intill I sign and authorazation form giving them the right to invade and all there affilate to have access to all of my personal life
I gave them a sign under pentalty of perjury about the incident, I gave them a verbal statement and answer there question about my fiananicial oboligation,"that i felt uncomfrontable with" but ans all question openly and honestly.. The incident took place may 15 2016 and today the havent gave me any money,not for a rental car not to get the car out the tow anything..I am still paying the insurance even thoe I cant drive the car are received payment.
Home owners insurance policy
First time home buyer 3/15. For simplicity I decided to go with insurance company the seller had. I asked for the same policy with an additional $40,000 coverage on the granny unit. This was made VERY clear in emails and acknowledged by the insurance broker. On the day of signing docs I noticed that the premiums had increased by almost 50% from what I was quoted. I called the insurance broker and asked about the increase. I was told that it was for a farm pack due to an increase in liability for the farm animals I have and that there were NO other changes. Approx. 6 months later the property and possessions were lost in the Valley fire (Federal disaster) . I was told there was no insurance on my granny, There was a communication error between the broker and insurance agent and the $40,000 coverage was placed on the only barn still standing. The broker said SORRY! There is more.
rideshare insurance in Mississippi
I drive for Uber, who will sell me insurance in Mississippi?
Claims adjuster measurements of damage do not match contractors measurements.
I am in the middle of a water damage insurance claim. We hired a contractor who is a restoration company and a general contractor. The adjuster came into the house measured the rooms that were affected. We decided to fix the damage and continue additional elected work. The measurements of the contractor do not match the adjuster's measurements, his are more in each room affected. Can you just explain if this is a red flag, or is this the method to acquire the extra 20% for the repairs?
private long term disability insurance
After a stroke, I am on long term disability (own occupation for one year; any occupation after that). I may need to move to another state. Will this affect my LTD? There is nothing in the policy about this.
ACV on lead paint remediation
I submitted a supplemental request because no contractor would do the fire repairs for the amount of the estimate. The insurance company invoked appraisal. The appraisal award lists dwelling RCV 300000 Depreciation 120000 ACV 180000 The appraisal award lists lead paint remediation RCV 16000 Depreciation ------- ACV 16000 My adjuster called a few days before the deadline for the carrier to make the ACV payment. She was angry because the appraisal award for dwelling was double her estimate of damages and the lead paint remediation was 8x her estimate. She said she was not going to allow any RCV payments until the dwelling restoration is 90% complete and was not going to make an ACV payment for the lead paint remediation. Therefore the ACV payment on the appraisal award only be $180,000 less earlier ACV paid. Therefore the ACV payment on the appraisal award only be $180,000 less earlier ACV paid. Questions: Can she refuse to pay the ACV amount on the lead paint remediation award? Can she withhold all RCV payments until the end?
home insurance which has uper limits for dwelling, contents, and ALE vesrus a policy which is 2 milion total without limits of theses
Thanks for developing such a useful site . I have a home insurance policy of 2 million total for all three components- replacement of my t dwelling, replacement of contents and ALE. is this policy better than that has sublimit of these three components?
Appraisal Award ACV payment where RCV and ACV are equal with no Depreciation
My insurance company had invoked appraisal for my dwelling claim. My adjuster was angry because she thought the award was too high. The award also had a separate line item for lead paint removal. There was no depreciation listed for this line item. The Actual Cash Value and the Replacement Value was equal, at $16000. My adjuster refused to include this amount in the ACV check and said I would have to show receipts before she would pay it. May question is: can she refuse to make an acv payment for this line item?
My daughters condo she owns was struck by lighting, caught fire and she lost almost everything. Allstate's agent created her policy they valued her belongings at 72000.00 and the structure @7200.00 how did they even think this was right?
Is there anything she can do. I feel Alstate made an error in the type of insurance she needed but how can I find that out? How did CitiMortgage find this acceptable insurance as well? Please help, the condo's walls, ceilings, floors, kitchen, possibly plumbing all need to be replaced. It's very overwhelming!
Depreciation models
I'm in the process of negotiating a flood claim with my adjuster. In his proof of loss, I noticed that a straight line or simple deprecation model is used. I'm interested in utilizing a compound or double-declining depreciation model because it more accurately reflects the nature of depreciation. For example, a $100 table depreciating at 10%/year has an effective depreciation rate of 20% by the 5 year (i.e. from year 5 to 6 it will drop in value from $50 to $40, a 20% decrease). Is compound depreciation used in the industry? Any tips on how to broach the subject with my adjuster?
Property Damage
I filed a claim with my insurance it took 2 months to get someone out to look at the damages now the adjuster says that the problem was ongoing so my policy will not cover it. We live in a remote area they requested a contractor look at the damage before we filed the claim no contractor would come out when they found out it was insured with American family Ins. Finally the agent requested an adjuster he came took pictures and decided that it was an on going problem so they will not cover it. What options do i have? they will not return my calls or emails and the problem is getting worse now there is mold growing ive asked for an appeal or does the adjuster have the final decesion?
Valley Fire what about promises made by insurance adjuster
Lost home in Valley Fire. Four months ago insurance adjuster says we are eligible for an additional 130k as we cannot rebuild our home and as we had multiple homes we can buy a replacement to replace a rental unit or home. Adjuster replaced and new one says we do not get the additional money as adjuster was wrong. We have documentation of the claims made and sent letters. We were told wait due to request had to go up two levels and down two levels. Has told us the maximum we get is policy and that we get no money for replacing home with a used home , and maybe some money for replacing rental. Also only additional money if we rebuild our home is code upgrade. Telling us no replacement policy to replace home with another unless we rebuild. Original adjuster told us we could replace with used home and get similar to re-building based on formulas considering sq ft and cost. Any ideas ?
Pubic adjuster
I submitted a home owners insurance claim for the first time. It has to do with a roof issue and leak under my sink my agent gave me a public adjuster number he came out and advised kitchens were his strengths. He did not review my policy before he came out and mentioned my cabinets would be paid for but interior damages would most likely not be. My question is he wants 20% of what he collects which I heard was pretty standard should I meet with my insurance company first to see what they will offer me and if I'm not happy then call in a pubic adjuster? I dont want to jump the gun.
Dwelling depreciation fire destroyed home
In the state of GA, when you lose your home and all its personal belonging to a fire, when you have the home rebuilt (the home was completely gutted out , burnt wood was replaced, all new HVAC, plumbing, electrical, roof, siding etc.) , when adjuster depreciates certain parts of the dwelling, who receives that? Contractor or homeowner?
Toxic mold insurance, third-party claimant rights
Hi- I rented a basement apartment infested with toxic mold. It made me and my son sick and infested all of my personal property which I had to dispose of. Eight months later, my son and I finally feel better. The landlord had a mold rider on his insurance for the property (State Farm), and I have submitted a claim for my lost property, including testing showing toxic mold in the air in the residence and swab testing showing it was on my furniture, list of contents, receipts, photos, etc. State Farm is 1) refusing to give me a copy of the policy or the mold rider, so I have no idea what the coverage is, and 2) stating that my claim will not be considered unless I submit a mold expert opinion that I was forced to dispose of all my property. Absent suing my former landlord, can I force them to give me a copy of the policy? And why do I need further expert opinion if I have testing showing
ALE Coverage
Our fire happened on 8/4/15. The cause was a barn fire (appurtenant structure) and our dwelling A coverage was for $186,000. Through Exactimate software the damage to each part of the house (spontaneously combusted by the heat of the barn fire, which burned approximately 25% of the 1,350 sf dwelling. S/F gave us $52,000; ACV$30,000; $18,600 Code upgrade. Questions arose as to how to reinforce the structure according to code, the building inspector ordered a work stoppage pending structural engineer evaluation. We have had 7 contractors quote the repairs, upgrades, etc... all GC's recommend demo/rebuild. All quotes are over $169,000. We have $50K+$30K+$18.6K=$98.6K. State Farm is terminating our lease at the end of June. No extension. We have a GC, Architect, Engineer and building inspector has issued permits. We have to use $20K of our own money. What action do you recommend?
Quote from insurance adjuster
The claims adjuster wants to send a quote without doing an inspection and going off our word of what is damaged, should we accept this quote?
First American Specialty Insurance Company
Do you have any information on this company including reviews in CA ?
Settlement of Property Insurance Claim
I have full replacement coverage in OH. I had a significant loss and my insurance company has settled the cost of repairing my home. A stipulation in the contract for repairs to my home required that all rooms be emptied by the homeowner (due to contractor's insurance policy). I have now submitted an estimate to my insurance company for the cost of storage, (un)packing, and moving of my items to climate controlled storage. My insurance company has refused to make payment for this estimate. Can you help me understand why? Thank you for your time.
Is the Insurance Company legally required to send me all claim related documents upon request (Minnesota). What should be included in a letter to terminate contract with Public Adjuster.
I have downloaded the “sample_letter_for_requesting_copies_of_claim-related_documents”; I will customize it for my request to American Family. I need to get copies of all invoices submitted against the claim for reimbursement from the Public Adjuster and/or Contractor and I need the explanations/reasons for amounts that did not covered/reimbursed. I am guessing AmFam provided the explanation to the Public Adjuster but he has not provided me with the explanation. The information and resources on this website have been very helpful. The fire occurred in Feb 2014. I used a sample letter to get a 60 day extension for replacement costs (initially Feb 2015 changed to April 2015). The public adjuster initially refused to ask for the extension; I refused to take no for an answer (multiple times) then followed up with the certified letter to the Insurance Company.
Contents claim
My contents adjuster gave all my clothes and cloth items to a company to be cleaned of smoke damage without my consent or knowledge. The charge was $8000, much to high for what I had. It was taken out of my check. What recourse do I have. Also, the depreciation was too high. What can I do?
Living Expenses
We had a fire in early Dec 15, in Jan Allstate issued us a $11,400 4 month living expense check based on what a travel trailer would rent for for 4 months. We used the check to buy a motorhome and live in it so as not to have to board our pets.(no pets allowed in rented travel trailers). We are expected to be back in our house sometime in late September so there are 5 more months we will be out of our home. Allstate said because we own the motorhome we are not entitles to anymore living expense other that food and such. My policy has a $35,000 yearly limit and they have only issues about $15,000 on this claim. Can I push them to continue to pay $2640.00 a month rental on our motorhome ,same amount they agreed to pay for the rental. Thanks for any advise.
My daughter gave a statement to her insurance company and also the other driver's insurance company. Is she entitled to a copy of either or both if she requests it?
I need to get a copy of my insurance
total fire loss to primary residence in February
I just called my insurance agent and was told that they were not going to insure us after 8-7-16. We have had one other homeowner's claim a couple of years ago..it was a leak under a floor. Our home burned 2-4-16 and it was a total loss. What options do I have?
Valley Fire question of time for rebuilding 1 or 2 years for home and rental unit.
Lost home and a rental property and insurance says I have 2 years on ALE, Content, and Replacement of home, does this also apply to replacing the rental unit and give me two years also, Does the Presidential Proclamation of 24 months for Insurance Company to provide ALE, etc. apply specifically to the rental and loss of rents and rebuild or replace with Replacement coverage?
LTD offsets
I receive LTD from DOW Chemical, I'm thinking about filing for veterans disability. I have been on LTD for several years with ERISA Plan # 506, applicable to those disabled prior to 1-1-2008. I would like to know if they consider veterans disability payments as an offset. I want to file for VA disability benefits after I get my VA med records. I would want to do this anonymously, dealing with them rattles me. I hope you can help me with this answer and not share my e-mail. Thank You for working on this important question, it could change my and my families lives.
Fire Insurance contents guaranteed replacement and upgrading.
We are with Travelers and it has been six months since our fire we do not yet have an estimate and just wanted your comment on that, were in a nice home they are been helpful showing us the way to get our entire contents settlement. 210,000.00. By "upgrading". But we have questions. #1 the depreciated amounts are considerably off.... example I have a set of speakers that sell on eBay for2000 to 2500 after depreciation they gave me 400 cash I have vintage guitars home stereos amplifiers just to mention a few things, is it reasonable for me to ask for the current market value or is the correct term depreciated value? So that the cash received be raised? So far we have 75k of 210,000k? The ventage items and tools& equipment. Could later be resold 4 cash correct. How does guaranteed replacement and "upgrading" work & are there limits? Thank you Chip & Marta Johnson look
Home Insurance Claim
I'm not sure whether it is worth it to make a claim. A tree landed on our barn due to wind damage. There is siding and roof damage to the metal room. First, will the roof be replaced or repaired? A replacement cost much more and we would not be able to afford that; whereas a repair we may not need to file the claim. Second, if the insurance company does not pay out; can our policy still be surcharged for filing the loss even if we pay the cost to repair ourselves? Thank you, Melissa
Clock is ticking on finishing filing my claim. July 3, 2014, my rental home burned and was considered total loss. I haven't finished my claim due to having radiation, due to cancer, hip replacement surgery, divorce, loss of my mother,and son graduating
Any leaving and entering the Nuclear Program in the service, then almost forced into retirement due to my mental state of surviving all of this. I have been totally paralyzed emotionally and have done absolutely nothing. Now I am in a panic and don't know what to do next. Any advice or guidance would be extremely helpful, PLEASE. I must complete the claim within 2 yrs of the incident, which is less than 30 days away. Am I beyond Help?
Waiver of Examination Under Oath
I have been requested to participate in an EUO. I have done some research and learned that in some states an insurer waives the right to conduct an EUO if a settlement offer has already been made. I am wondering, is this true in Ohio? How can I go about finding this information?
What if contractor cost is less than estimate?
My insurance is covering structural damage to a portion of my house. There is also additional work I would like to do at the same time. If I'm able to get the damage repaired for less than the insurance company estimate, is there a legitimate way to apply the extra money to the additional work? I could do some of the work myself, hire non-union contractors, or ex. patch plaster rather than replace it. (Assume the end result will be the same quality). Some of the work I would like to add would make the insurance work easier (ex if it's $10k to replace damaged part, but $15k to replace it and something else), how does that get calculated? Alternately, how would it work if I decided to rebuild something of the same or higher finished value, rather than repair, but with less expensive finishes? I'm familiar with change orders etc. Are these tracked as line items or the total amount?
My home was recently flooded. We have filed a claim and the condition of the home is ready to be remodeled. We have not received a final settlement check. We have an investor that is willing to purchase the home "as is". Since we have not received a final claim payout yet, we are concerned about the payment if we transfer ownership. What is the FEMA/NFIP policy for this? Can we sell the house before final payment?
homeowners insurance, ACV vs. Replacement value claim, and sale of property before claim was closed and repairs made
Claim on my roof due to weather related damage ($23,000 based upon insurance adjuster’s claim report). One month after I filed the claim, I sold the property. I provided the Buyer with $42,000 credit included the roof repairs and is documented in escrow agreement. I have a replacement cost coverage policy, but the insurer is indicating that I can only receive the actual cash value of the damage estimate ($16,000) until the repairs are completed. They said that I would receive the balance of the ACV vs. replacement value ($7000) ONLY at the time the repairs are completed. Sold the home, won’t be completing the repairs - how do I get the insurance company to pay me the full amount of the claim?
I'm looking for representation for a vehicle claim with State Farm in Wyoming
Vehicle vandalism with policy thru State Farm. In the investigation stage and feel my interests are not represented. Who would I call to gain advice and information on the law?
Recoverable Depreciation
I was misled about having Replacement coverage by Traveler's but I do and the policy language states: If the cost to repair or replace the property described in A. above is more than $2,500, we will pay no more than the actual cash value for the loss until the actual repair or re- placement is complete. There were many individual items in the 2 separate claims that are under $2,500 that I requested be exempt but they stated the language implies if the claim is over $2,500 and "property" means "properties" / entire loss. How can I persuade them to release my funds they've been earning interest on?
How do I prove manuscript loss for digital hard drive contents?
It's covered and I already provided the remade cookbook drafts and the insurer denied the coverage up to the remainder of the policy limit. I asked how else I could quantify the value and explained how the reimbursement would not cover the loss regardless. What document must I ultimately provide? Is it true that if I show them a copy, a video or a picture then they can't ask for more unreasonably in Pennsylvania?
RCV on dwelling but in the policy it changes to ACV on the roof
We are currently trying to settle a wind/hail damage claim on our roof. We have had to fight with Ameriprise Insurance for several months to get the roof replaced and now they are deducting $10,000 for depreciation. stating that in the policy it says that the roof only has ACV coverage. The declaration page says we have RCV coverage on the dwelling; there is no mention of the significant change of coverage regarding the roof; and the agent certainly never mentioned it. To make matters worse, we've had 2 different settlement checks and the depreciation is growing the longer this drags out. I would think it would be calculated as of the date of damage and not continuing to grow more than a year later. I consider the undisclosed change in coverage within the policy to be intentionally misleading to the policy holder. Is there anything we can do about this?
Mortgage company holding insurance funds
PennyMac’s third party agent is creating unnecessary delays in releasing insurance funds to me. To date, my contractors who have been working at the property for 3 weeks and have not been paid, despite PennyMac having $76,454.05 from my insurance proceeds for the approval and payment of my claim. My property remains uninhabitable and is deteriorating since I cannot pay to have the mitigation company perform mitigation cleanup. I have lost my tenants (flood date Apr 17) because I cannot timely restore my property back to pre-flood condition and will likely not be able to lease out the property again for some time because of PennyMac's third part agent delays. No amount of talking with the third party agent by myself or by my USAA flood loss adjuster is achieving the release of funds to me.
Getting compensated for doing a loss inventory for a friend
I had a friend who lost everything in a house fire and I had to help him with his inventory loss statement. I sent a bill to the insurance company for my time but they refused to pay me anything. Shouldn't I have been compensated for my time?
HOA + policy Endorsement replacement cost policy or personal property
If I have a theft claim on personal property from endorsed replacement cost policy that says replacement cost at time of loss today pay me actual cash value our replacement cost value and am I required to go out and replace everything before I get the additional money on personal items that was stolen from my house and I have all the receipts so what I claimed they were all with in two months old to two or three-year-old they depreciated by as much as 50%please let me know thank you very much
What can I do when Insurance adjuster do not agree with emergency service charge?
I had fire incident about six months ago, and I open a claim with my insurance(Pacific Specialty), since I had no experience fire incident, so I asked for some help. the Insurance referred me to call Service Master for emergency service. Recently the insurance reviewed Service Master invoice said there are some of items are PPE and some items like labor mins not relevant for demolition which need to be deducted from total amount of invoice. Service Master insists for full amount payment! I am in an awkward situation that if insurance has different guideline than Service Master's charge, Does it mean that I need to pay Service Master out of my own pocket?
Homeowners insurance Claim - Reconstruction after water damage
I am currently at reconstruction stage of water damage to my kitchen/ upstairs bath under my homeowners insurance claim. The company does remediation/reconstruction and just completed my remediation. I signed a work authorization, but do I need to draw up a contract with them for reconstruction phase and do I need to file a notice of commencement with my county superior clerk office for this size project/since the work is under an insurance claim, not just my deciding I want to remodel my home? Also, the adjuster is refusing to cover replacing my kitchen cabinets but my island that was damaged will not be able to be matched...What can I do before escalating to supervisor? I have replacement cost coverage in my policy.
California Earthquake Insurance
My annual premium is $200 - limit is $719000, deductible is $107850. What's the general advice - pay the premium and keep expectations low (lots of exclusions)? Thanks!
Loss of use
I have been working with my insurance company for a water damage in my kitchen. The damage occurred in January, I reported it immediately, had our lower cabinets torn out for water remediation, and have been since waiting to restore the kitchen. I have a contractor, chosen a floor, cabinets, and counter, but have had no reconstruction done at this time. We have saved all of our restaurant receipts since the damage occurred to claim, but, as a family of 4 with damage to the kitchen, I feel that does not adequately reflect our losses. The insurance adjuster and contractor have both prolonged the process that my husband and I have tried to expedite. What else can I ask for? May 8 2016. Coming up on 5 months without a kitchen.
Fire loss claim
Ins co wants receipts for new/replacement items matched with items listed on inventory of personal property lost. 1. Am I required to match everything for them? 2. If I have to do this, what is the best, most effective way to go about it? I had a total loss of home and contents therefore have hundreds if not thousands of receipts. Items were not purchased for replacement at same time or place and receipts are for many different items. What about reimbursement for items lost but I don't want to replace? I still suffered the loss but isn't it MY choice whether to replace?
Fire Loss Question
My wife and I moved across country from Ohio to California. The moving company truck caught on fire (truck manufacturing defect according to moving company insurance rep) and all of our personal property was lost or had to be cleaned. The adjustment company the insurance company sent out documented everything and tossed all of the property that was not cleanable. 6 months later, we were told that the adjustment company lost over 2/3 of the photos and documents. We have now been told by the insurance company to create our own loss report. We have also been told that we cannot be compensated for the literally hundreds of hours over 6+ months we have had to spend finalizing this claim, beyond the initial adjuster's screw-up. My question is if this process sounds correct, and are we really precluded from any time costs in this process?
Insurance investigation
I filed an auto theft and loss claim with my insurance company and now they are investigating me. They said they are going to have a lawyer contact me. Can they do that?
Addressing a complaint to Insurance
I would like to write a complaint to AAA Home Insurance regarding my experience. Can you tell me the proper titles (Manager, Division Manager, CEO, etc..) to whom my complaint should be addressed to. I thought I read it somewhere in your book but cannot find it. Thanks.
Very Old Life Insurance Policy: Company Claims "Can't Find It"
Hello and thanks so much, My father died February 24, 2016. My sister found, among his possessions, a single premium life insurance policy my father purchased in 1987. It took a while to find the correct company, since it is no longer in business, but we did eventually locate the company that "inherited" the policy. On 3/22/16, my sister faxed the policy in its entirety to the company. They finally acknowledge they received the fax, but say it's going to take a long while to "locate" the policy since it's so old. I'm rather confused about what, precisely, the company is attempting to locate since we have each and every page of the original policy and have faxed that to the insurance company. Am I being ludicrously impatient or is it time to call in someone who can help such as the BBB or the Pennsylvania Department of Insurance. THANK YOU, Rosemarie Scott-Griffiths
Total fire loss
We lost our home to a fire on 4/1/16 and are waiting for Allstate to settle claim for a possible rebuild. I say possible because we still don't know what we want to do. My question is "can I tell my insurance company that I want to purchase a new home or will it hurt my claim? We think we don't want to go through the hastle of waiting for our home to be rebuilt. I do restoration work and I know that all the insurance company wants to do is mitigate. they already suggested we sell lot as an improved lot.
Business Insurance
I run a business in my home. I have business insurance and also home insurance. However, I want to know if I can get insured in the event of a neighbor complaint, or if my City revoked my Use Permit?
are there insurance claim consultants in Atlanta Ga?
a claim
I filed a claim against Walmart due to their failure to safety they unsecurly set a tent outside for Walmart employee breaks it was windy so the tent flew over my truck doing a lot of damage to it and two other cars they already responded asking me to fax in a quote so they can fix my truck but my question is can I also claim for the period of time I have been without my truck due to they're irresponsible lack of safety I've been without my truck already going to 11 days
furnishing copy of insured''s homeowners policy
Is a Massachusetts insurer required to furnish a copy of the insured's policy to the insured upon demand?
What the next step I should take in getting estimates for reconstruction due to water damage?
My insurance company, SawGrass Mutual has sent me a check for reconstruction in my bathroom and kitchen for water damage due to an improperly installed shower pan. The reconstruction company I have been working with came back with an estimate over twice what the insurance has agreed to pay. Now the insurance company wants me to get a second estimate. I asked another construction company but they want $375 for just the estimate. Just need to know what is my next best step. Thank you!
Is my storage building an "appurtenant structure"?
Allied is claiming that my storage structure is not an "appurtenant structure" to my main dwelling because it is not on the same 10 acre parcel and is therefore not insured. My 40 acres is listed on the declarations page and is comprised of 3 parcels (two ten acre parcels and one twenty acre parcel). The main dwelling and the storage structure are on different parcels separated by about 500 feet. Allied is reimbursing me for the value of the personal property in the burned storage structure but not the storage structure since it is not on the same parcel as the dwelling. Under "Coverage B" my understanding is that my storage structure is covered as the structure "(a) is separated from the dwelling by a clear space" and is part of the the 40 acre estate even though it is on an adjoining 10 parcel which is part of the declared 40 acre estate. Thanks for your help!
structural damage to home assessment
Hi, I am trying to find out definitively the following: My rental home was damaged in a fire. The adjuster called in immediately a structural engineer. He also paid him directly. Now when it comes time to pay for the damages, the adjuster deducted the engineers fees of $6k (I was extremely shocked it was that much) for the engineers assessment. My question is, isn't it the insurance company's responsibilty for the engineer fees, not part of my dwelling claim? The damages went over and above the coverage on the house btw. I appreciate your input, even if its where to look into this further, it just seems that my coverage is in place to make me whole, not for the insurance company to determine how much the damages are. Thank you in advance Nick
utility reimbursement after a house fire
My house is under repair and I'm paying for a normally high utility bill on the house while I'm living in an apartment paid for by the insurance company. I'm paying utilities on both places. The insurance company said they will only reimburse me for anything more than I normally pay for utilities, which will be about $10 when I add up both bills. To me it doesn't make sense that I have to pay for the house utilities while I'm not able to live there. What is the insurance company logic for their position?
Property Claim document request NLT window.
Via Mail Is the postage stamp date used to indicate whether or not the information was provided during NTL date in letter? Via email What do I do when; Insurance Co. fails to provide requested information via the mode and in the amount of time allocated?
Should I receive insurance money for my burned "storage structure"?
My insurance company will not reimburse me for my burned "storage building" which is appurtenant to my main dwelling. Allied is calling my storage structure an "implement shed" but I did not house implements in it-over 90% of the items were personal property-which Allied will reimburse me for except 2 antique collectible tractors. Other items in the storage structure such as burlap sacks and collection buckets are not covered as those items are "farm related". Since Allied is calling my "storage structure" an implement shed, it is in their view farm related. Farm related items are not covered on my policy's Declaration Page however other structures, not farm related, and "appurtenant to the main dwelling" are covered. My storage building is approximately 500 feet from my main dwelling. I have 3 contiguous parcels totaling 40 acres and my storage building is on an adjoining parcel.
Living experience
My insurance company is trying to back out of paying any extra living expenses when my house burned. Can they do that?
contractor damaged my home
a plumber hit my house with bull dozer. He gave me his insurance companies name and infor. My house has very old metal siding. The siding cannot be matched. We have gone from his insurance saying they would pay $2700 to reside the front. I said it had to match and be metal siding. They offered $3100. I said again, the front siding has to match the other 3 existing sides. Now they have come back and said they would withhold depreciation of $4K and pay me $5900 to reside the entire house. My first question: can they claim depreciation if they call this "entire" house reside?They weren't before. 2nd: $5900 wont reside my house, do they have to pay me the 4k when I prove I have resided the house? 3rd: do I have to repair the siding
What is involved in buying a home as a replacement dwelling rather than rebuilding?
Our home and property in Anderson Springs, Lake County were destroyed in the Valley Fire, and there are rebuild delays due to sewer v. septic, and water pipes and meters were destroyed and not fully restored yet. We are considering buying a replacement home until various governmental entities get rebuild issues sorted out for our community. What steps do we take with our insurance company regarding buying a home instead of rebuilding? What should we consider in buying a home v. rebuilding our destroyed home?
Can insurance company deny paying for mold pre tests to help determine works scope when extent of flood area & damages (drywall, etc..) are uncertain?
Vacation rental condo flood from kitchen sink drain AOAO clog. Incident 1- 4 days before discovery. AOAO accepted fault, but then disputed scope of remediation estimates, how far water traveled, water quality, & refused to approve work start. Carpet cleaning company hired by vacation rental mgr at discovery removed water & dried carpet/floors. Remediation co's had first look 4-8 days later. 2 1/2 weeks after discovery AOAO ordered bacterial testing. I asked same co to do mold tests same time, My ins co said don't wait on AOAO, or testing, & to start remediation. Remediation co cut holes in walls for mold tests & did drying/dehumidifying awaiting results, then used tests to assess & place protocol of the areas to be worked(drywall/cabinet removal), which resulted in much less work/cost then if worst case water scenario assumed. Ins co says never pays pre tests
Help explain hidden damage after a house fire
What types of damage can happen after a house fire
landlord and renters insurance
how can i find insurance on a house that has been repaired from fire damage that happened Jan 2015. i also own a home that i rent out that i purchased as fire damaged.
Possible to file for a for loss without a policy number?
My son, his wife and young daughter moved from CA to TX to care for his father, who had cancer. The plan was to live with him, and replace items in his house with theirs. They put an entire household in storage nearby, but before they could begin the process, a fire destroyed 8 units at a public storage + theirs. His father was undergoing difficult chemotherapy, so they delayed filing a claim. Unfortunately, he didn't have as long as thought, and passed away 4 months later. While he was in a coma in the hospital, and my son and wife were at the hospital for nearly two weeks, his father's ex-wife went to the home & removed all documents & financial files. After his father's death, the ex-wife produced a questionable holographic will that left everything to her. It's been almost 1yr, very tough. Can they file a claim without a policy number? Is it a 1yr limit to file? St. Farm
Replacing items when on a budget
My son and his wife suffered a total fire loss. They were caring for his father full time in his last few months, so what savings they had were consumed. They have replaced a few small items like kitchen utensils and some clothing, but they don't have the money to purchase major pieces and then wait for insurance to reimburse. What can be done in a situation like this? Thank you very much!
First letter to insurance company after fire.
My son and wife need to file an insurance claim for a fire loss (full household in storage) incurred while living full time at his father's home and caring for him while he had cancer. His father passed away, and they're emotionally ready to make the claim now. We are using a letter on the site, but on the first contact, do they need to indicate an exact amount of loss, or can they estimate it?
large loss fire
How long can we expect AAA to extend the claim now that we are proceeding to want to build on the property. How do we proceed to get it in writing because the extension she gave us in October ends in March. We looked for another parcel but had no luck. AAA has agreed to use the code upgrades for some things on the property that were not up to par. For example well pump compliance (fire suppression requirements) pressure compliance and reinstating permanent electric. This is now being done with our upgrade money according to formula. We have been receiving ALE benefits for vacation loss use until March. We do not think we can extend ALE but would like to extend claim for rebuilding. What is reasonable. How do we ask them to extend that in writing.
Rebuild home
We understand that the insurance policy provides coverage to replace the home with a like kind and size home. However we want to rebuild a home with larger interior square footage. How do we communicate this with the insurance company and would we need to pay all of the associated costs incurred from the square footage that is larger that the original square footage of 800 SF (square feet). For example if original home was 800 SF with 1200 SF of exterior decking. If new home to be built is 1200 SF would we have to pay 1/3 of the cost of construction since the replacement home would be 33% larger than the original home ? Or can the money be distributed by insurance company based on the Xactimate estimate with calculations made by building contractor of the cost of additional square footage?
Contracts for Insurance work.
My contactor gave me an proposal/ estimate for $17,000 to demolish our home and clear all the debris from the property due to the fire and prepare the basement for the concrete guy to pour footings and new foundation walls. If it costs $15,000 she thinks it stays in the kitty for us to use later, I say its his money in that situation. And we sign the next portion of the contract and take it from there.
Homeowner's Fire damage to barn/garage (approx 24x36) which was completely destroyed. The heat from the barn spontaneously combusted the house siding, sill and soffit on Dwelling A which spread thru the laundry bathroom Kitchen and two bedroom
The barn was a total loss and we were given standard 10% of Coverage A Dwelling $186,000 or $18,600 (less $412.91) or $18,187.09 ACV. The Dwelling damage was estimated to be $77,940.82 (less $23,042.08) or $52,531.57 ACV. The builder questioned the integrity of the foundation and the Town Official came out and agreed, issued a stop work order and ordered an eng eval of the found. The eng condemned the found stating "the dry laid stone foundation has exceeded its serviceable life and should be replaced with a cast in place concrete foundation. The builder determined two sections of the house, half are damaged by fire, need to be completely demolished to access remove/replace foundation. The code upgrades will invoke ordinance of law or an add'l $18,600. The plans are not complete so we are waiting for the final estimate. So, will the ins. co pay, and what is Recoverable Depreciation?
home fire
How do i deal with the fire adjuster on the contents? They say I have coverage up to $143,000.00 they ARE OFFERING ME $71,200.00 I think we had more than that in the house, we have been married for 30 years and have accumulated o lot of valuable things. They say they will only offer more if we list each thing.
How do I correctly complete and resubmit a notarized Proof of Loss and Contents Sheets of Inventory ?
I have filed a homeowners claim for a theft loss. My statement was recorded and I have been interrogated by an senior adjustor of the insurance company. I was evoked to a six hour Examination Under Oath before my investigation filed was reviewed by the adjustor. My claim is still under investigation and the examination remains open. Legal council for the insurer has requested me to resubmit my notarized Proof of Loss again indicating that it was incomplete. They have advised me not to have any direct contact with the adjustor or other agents of the insurer. They have also provided me with an authorization of release to sign. I would like to provide them with a correct and completed Proof of Loss and Content Sheets to prevent the denial of my claim. I need help of an advocate or Public Adjustor. Please contact me regarding this matter. Thank you.
Lapsed insurance
In 1989 I bought a property in Cobb, which I lost in the Valley Fire. I discovered in 2012 that I was no longer covered by CSAA who still cover my other house and cars. CSAA informed me that they no longer cover properties in high risk zones such as the one where my house is located. They promised to find another company to write a policy. In September 2012 they said they had located a company (Scottsdale Insurance) and that the home was insured, but that they needed photos of the wood stove and chimney. I sent the photos to CSAA agent Maria Sandoval in September 2012, and did not hear back from her. I sent them again in 2014 and did not hear back. Can an email correspondence demonstrate that CSAA had promised to find me an alternate policy and then failed to do so? Our lawyer is asking for $14,000 to take this case, but we have already paid him $21,000 since October 2015.
Looking for laws, regulatrecedent for mortgage company property insurance claim payments to contractors/homeowners.
The insurance company paid my hail damage claim to my private mortgage company. They agreed to make payments based on contractor estimates but refused to make the checks to me, and would only make checks to a contractor. I had 7 different contractors working on the job and I bought a lot of materials myself so the contractor was having to cash the checks and give me my claim money to cover materials and other workers who I hired. None of the contractors would wait for final payment so I paid planning on getting my money back from final claim payment. The mortgage company refused to make the final check out to me. Contractor cashed it and stole my $2,500. The insurance company said that the mortgage company should have made all contractor checks payable to both the contractor and the homeowner requiring two signatures to cash. Looking for laws requiring claim checks made to both parties.
Low homeowner insurance limits
My 82 yr old aunt just had water damage in her condo (not flood related). She called a restoration company that was recommended by a family member. They sent a bill for over $30k for dehumidifiers and fans they left for 37 days (at least 30 days unnecessary) and other things not worth anywhere near that. Her insurance company settled with them for $6300. When we looked at her policy, we discovered it covered on 7900 dwelling, but 71k personal property. It seems like someone may have made a clerical error at some point and reversed those. For what she owns, 20k would have been ample. Now that the restoration company has eaten all the money, there is nowhere near enough to cover all the remaining repairs. What recourse do we have? She has The Hartford through AARP
Mold remediation in residence not effective
Due to a hidden water leak, one bathroom was torn out and half of my home was remediated for mold. Before the work began, furnishings in the containment area were moved to the part of the home that was not remediated. Upon completion of the remediation, a clearance air quality test was obtained. A company retested two months later and found mold in a part of the house that was remediated and in all the rooms that weren't. Most of the house needs to be remediated again. My adjuster won't pay for a second remediation. Isn't this still part of existing claim? Can I claim against the contractor's CGL for faulty workmanship? Will it be covered since he did the work himself? What can I do with his bond with CSLB ? The mold in the part of the house that wasn't remediated was there to begin with or was cross-contaminated by furnishings. Can I withhold payment until contractor responds
need advise on house fire settlement
Our house was destroyed by fire while we were out of state, cause was undetermined (by fire chief and fire marshal) Totally destroyed. Ins adjuster has not yet determined total value of the residence. We have decided not to rebuild. Agent says we have content coverage of approx $143,000.00 has made us an offer of $70,000,.00. Otherwise have to list every thing (itemize) I think the agent just offered half as a starting point, infered if we try to get more they wont negociate and if we try to get anyone involved ( ie. atty, independent adjuster ) we will wind up with less than what they offered
Settlement Amount for Dwelling Repairs
Hi - Our Insurance company sent us a building repairs settlement amount before receiving a quote from our contractor. We also asked to delay receiving the settlement until after demo was performed. (There are questions over whether part of the structure can be saved - and we won't know the answer until after demo.) 1. Why did they rush us a settlement check? 2. If we cash the settlement check does that constitute us accepting that amount? Our adjuster indicates that he will continue to pay for repairs over the amount of the settlement check until the repairs are complete. Please advise. Thanks you, Rachel & Jeremy
rebuild time
House fire in Oklahoma. Partial damage but house uninhabitable. Requires replacement of 80% of ceiling and roof structure, all walls and unburned ceilings to be stripped down to framing and treated. 100% new hvac and electrical. Partial plumbing replacement. I do not want to start the rebuilding process until the contents claim is settled. There are still many expensive but ruined items in the home. Do I have to start the rebuild process immediately? How may that affect my temp living expenses. And is it possible to negotiate a lump sum payment on temp living expenses and stop dealing with the insurance co? For all or part of the limits. Agent told me the insurance Co is going to drop us at the end of our policy (March 30, 2016)
I'm dealing with the vehicle claims adjuster of the insured person who hit my car. After the first 5 days of trying to contact him to find out when was he coming out to inspect my car I was able to talk with him and in summary this is what he said. -- I don't work for you -- There is a pending investigation regarding our client's coverage and I'm not even suppose to be talking with you -- I have up to 45 days to get back with you so wait He said this in a very defensive tone. If I'm in a position to have another person help me with to downsides, let me know.
Frozen Pipes and Plumbing coverage
We were away for the long weekend and while we were gone, our boiler shut off, leading to frozen and burst pipes in most bathrooms and flooding in our kitchen, foyer and basement. We have Chubb Masterpiece coverage. I have read that the actual plumbing repairs following frozen/burst pipes are often not covered, as the proximate cause of the damage, and plumbing repairs were not included in our adjuster's initial estimate. However, in our case the pipes were fine. They only froze and burst because the boiler failed (plumber has identified a gauge that failed causing the boiler problem). What are the odds of the insurance company paying for the plumbing, as the boiler is the proximate cause and the frozen pipes are a consequence?
General Contractor who is not familiar with Xactimate
Hi - We are using a general contractor who is not familiar with Xactimate. Do you have resources we can use so he can structure his scope of work estimate accordingly? Or can you recommend a Xactimate professional - or public adjuster - we should work with during this process? We are looking for help in the SF Bay Area. Thank you, Rachel and Jeremy Sharff
How to submit the estimates to insurance Adjuster
I asked my insurance adjuster that ACV is very low and I cannot restore with the ACV . Probably it could be possible if I could get RCV now. Adjuster told me to submit estimates from contractors. I collected 3 estimates. I want to know the format how I will submit these estimates. My depreciation is about $50,000 which I cannot pay from my pocket now. It seems contractors will not be happy if I say i will pay later once I will get the RCV. I checked my policy which is RCV. For my personal property is possible not Coverage-A.
Hi, it's been 10 years and my homeowners claim adjuster has not completed my claim, she's dragging, misrepresented my claim, what to do?
Loss of use
can we get credit for having to buy clothes and toilet, and personal items we had to get for the first week or two on the ALE because we had a total loss fire
Insurance and credit scores
I am insurance poor. Yet, although all of my insurances are and have been automatically withdrawn directly from my bank account, I am penalized for my credit score & reports. By the way, my credit is somewhat negative from lack of reimbursement from "Fidelity Flood Ins". But, considering the insurance companies have no financial issues with me, why are they permitted to use my credit to charge me higher rates ?
Valley Fire ALE
We do not understand this about ALE/Content. When we moved into our rental we paid about $5000 for deposit in the home we are renting. We paid this out of pocket. Our adjuster tells us that the 5k was added to our content insurance and that when we move out any deposit $ will come back to us. Does this diminish our claim for content should this have come out of ALE. There was also a deposit for furniture. Thank you.
Overhead and Profit in the state of Pa.
We own our home paid in full since the early 90's. We just had a house fire that destroyed everything except 3 bedrooms. The ins. com is taking over or just around 20% off the top for O&P, calling it replacement depreciation at the final total in the offer. I am wondering why when the adjuster said because we own the house and a bank isn't involved we would get the whole check and deal with all of the contractors. Now he is back peddling and telling me they hold this till we get receipts. How do I fight this to get this now? Thanks a million for your site.
House fire insurance claim
Hello, We had a house fire on 2/1/15. Our attached garage was completely destroyed and the house sustained sever fire/smoke damages. The insurance repair estimate was to rebuild the garage and repair the rest of the house. Upon demolition it was determined it was not worth repairing the existing structure due to 100% smoke damage and remediation would not be 100% effective so the house is being rebuilt as new. My question is what do we need to provide to the insurance company to cover the costs of rebuilding? We have already identified rotted wood, foundation/footing issues, code upgrades.
Replacing home with a new one instead of rebuilding after a fire
My home was destroyed in Butte fire, Calaveras County, CA and I received an ACV payout for much less than it would cost to rebuild the home. I have a replacement cost policy and am realizing that the area is devastated and I would rather buy a replacement home instead of the arduous task of rebuilding. My question is can I get the insurance company to same amount that it would cost to rebuild if I purchase a replacement home? I already have preliminary costs to rebuild the home at $420K without code upgrades and exaggerated building costs due to shortage of contractors in the area and the insurance company have only paid out ACV of $322K and are refusing to payout any more until, or if we rebuild. I am certain the cost to rebuild would exceed $500k but I would be happy getting the policy limit of $420K, without the 25% replacement cost premium. Thanks for your help.
Established values
Is it legal for an insurer to change agreed on values of personal property lost in a fire AFTER said property has already been paid for? We let everything in the Carlton Complex fire 2 1/2 years ago. Our claim is still not settled because our adjuster keeps changing agreed on values of said property AFTER we have been paid for it. The insurer doesn't want to pay for maintenance materials that we lost and is now changing values on items we have already been reimbursed for so it looks like we OWE them!
Bad Faith Claim
What is the statute in Mississippi to file a bad faith claim?
Dwelling insurance
My grandpa died and they have been charging him for a dwelling that burned years ago. He didn't file claim and they have charged all these years. What can be done if anything? Please help. I would like either them to refund money from yearly over charge or the claim amount. What can I do?
Lowball estimate
Please be informed that we cannot accept the estimate from 4J Drain Construction, Inc. in the amount of $82,800. The policy will cover the reasonable cost of repairs to covered property. After reviewing estimates from Service Master, our IA from CIAI, Bryant Construction, we have determined that Service Master's estimate of $28739.63 represents the most reasonable cost of repairs to your property. Therefore the adjustments stated above reflects Service Master's estimate. I feel that my insurance company isn't giving me a concert reason why my contractor estimate is being refused. I can't get my adjuster to contact the contractor to figure out why they think the estimate is too high. Service Master was hired by my insurance cause my insurance company doesn't have anyone to come in a write a estimate. What are my options? Thank you. I've been out of my house for 4 months now.
Can insurance companys change what they said they would pay after i get the work completed
We had our home damaged by a hail storm along with the rest of the neighborhood. State farm came out and agreed to pay for the damages. We chose a contractor who agreed to do it for the price allotted but decided to go with vinyl siding rather than aluminum. When it came time to get the rest of the money state farm changed their scope and lowered the price by almost 10,000! They said since we went back with vinyl thats all they will pay. This was never explained to me and now i have a lein on my house from the contractor. Can they do that? Is there anything i can do?
Public adjuster/contrator...conflict of interest?
We have been trying to work through our Allstate claim for extensive fire damage on our own, but after 4 months of this still not being resolved we are considering using a PA. A couple of PA's we spoke with also offer rebuilding services which, if used, will not incur the PA negotiating fee. Is this a legitimate, common practice? Can we expect the same level of service if their rebuilding services are not utilized (we have our own contractor we'd like to use)? How can we guarantee that the PA will fight as hard for us if their other services aren't used?
o & p coverage
We lost our home to a fire and will have to rebuild. My question is, after we are paid our full limit are we able to be reimbursed for the O&P once the rebuild is completed?
extra percent allowed after limit is reached
We have state farm and lost our home to a fire. Once our dwelling limit is reached is there an additional percent over we could receive for the rebuild?
scope of work
In the scope of work the contractor has overhead and profit. If they give money for something that is more for flooring than I spend and spend that in another area as long, as the price matches in the total claim is that ok and can the contractor get paid that amount.
State of Emergency & increased policy limits
I lost my home in the Butte Fire in September 2015. It was declared a state of emergency by both the Governor and the President. I was told that my additional coverage percentages are doubled. For example, I have 20% for Increased dwelling and 10% for Law & Ordinances. These percentages would double to 40% and 20%. Is that true and are there any other benefits that the State of Emergency offers me.
Please explain how code upgrades work for a home rebuild for the homeowner. Does the contractor receive the money or the homeowner?
Advice on personal property claim-follow up question/response
1) Based on the insurance company's estimate (their contractor), the rebuild replacement cost is about $265,000 and our dwelling coverage limit was $200,000. Because we were clearly over the limit we did not bother to contest the insurer's estimate or get another one. 2) Would it be better in my circumstance to list each item of personal property rather than group things together? I had a lot a lot of things. The adjuster is saying he will need to handwrite each line item so he's allowing me to group things together rather than list them individually but will grouping them together work against me Like in the example I gave? The other thing is I feel that if the adjuster is forced to write out thousands of items (creating more work for him) it will work against me so I'm reluctant to do that.
examination under oath
does this have to be done in person or can I request an examination under oath by mail where I answer questions and notarize the document then send back to the insurance carrier
I had my house insured for almost 500K until october 2014. Farmers increases the premium each year, then now wanted 3.3k. I went on pension and could not afford it. In 2010 I had finished the upgrades to the house, it was deluxe. To get the coverage up to 500k the agent included the decks etc in sq ft. otherwise they could not justify that for the 1500 sq on record. So, in october, the agent lowered the sq back to 1500 and coverage down to 270k, with the auto umbrella, that got the cost back down within reason. I went overseas and the house flooded. My GC estimates 650k to redo interior to existing. Farmers says 240k. They have a Ind. Consulting Contractor now working on new figure. My question is; Do I have a legit suit against Farmers for the underinsurance ?
personal contents
I have a book collection to some 750 books. Many 1st editions. Most of the collection was stored flat in boxes in the basement, not on shelves. 70% were in new condition. destroyed in flood. The entire interior of the house and contents were destroyed. I had compiled a database with each title/edition/date/photo/and value that i could find for a new copy or nearest to that, like new, etc. Initially, Farmers had valued the collection at Books $2641after 50% depreciation. I submitted claim for 32k after 16% depreciation. They came back agreeing with some valuations, increasing some, diminishing some with a closer fit etc. all with 50% depreciation. Except 1, a Porsche Shop Manual set I listed for $1350 they increased to $1458 with 0% depreciation. Obviously a collectable. I email stating I did not agree with the depreciations. they said which one "by line numbers." So, what can i claim
Washing machine fire
Will my washing machine be included in my homeowners policy for loss. The washing machine did cause the fire and the adjuster said there would be no coverage for the machine. Please advise thank you. I do have replacement coverage.
Advice on personal property claim
We had a house fire that resulted in a total loss. We are underinsured for the rebuild so we would like to use as much as possible from the property claim for the rebuild, i.e., we are not replacing anything we don't absolutely need but don't want to lose out on any money as a result. For the personal property claim, the adjuster is allowing us to group certain things together, i.e., 20 pairs of jeans. Do you have any advice as to how to best submit the receipts for the replacement coverage? For ex, 20 pairs of jeans, 10 were really nice - $200 each, 10 - $100 each, on average - $125 a pair so total claim is $2500. They depreciate to 75% of value so I receive $125 ACV until I replace-$1,875. I only to replace 5 pairs of nice ones for $1000. It's less than the ACV, I won't receive anything more, correct? Is it better for me to itemize then to receive the full replacement value?
Lost my house in the butte fire and I want to relocate
I lost my beautiful home in Mtn. Ranch in the butte fire . I do not want to rebuild. I want to relocate in Oregon. I am renting motorhome through Travel America to make the trip, I have two large dogs and it is hard to find a place to stay. My question is how do I get State Farm to pay for this. I have ALE Patty
Accident coverage
My husband was involved in an accident on Sunday 01/24/2016. He was struck by a driver going the wrong way on a 4 lane. We have contacted our insurance and the insurance of the other driver. They will not proceed with our claim until they speak with him. They have spoken with the policyholder which is someone other than him and I have sent them the police report. We can't get a rental and they will not tell if they will pay for storage. What do I do?
BACKGROUND: Since Rick Scott was elected governor, the FL OIR has become a tool of the insurance companies. It never answers the phone, does not answer basic questions about the insurance commission, has approved a 40% increase in my condo (H06) coverage in 3 years in spite of zero catastrophes or claims, and is completely unresponsive. Before you refer anyone to that organization - please look at the quality of the information they are providing. It is usually worthless. (My home was destroyed in H-Charley, so I know in detail how much better it was before Rick Scott). Our HOA project is MIS-CLASSIFIED. It is physically a Condo and legally an HOA. My independent insurance agent told me to forget about re-quoting for my H06 ccoverage because they won't touch it. The original carrier will find out about the mis-classification and withdraw coverage. Is this legal??
what is the amount of compensation for mileage for loss of use
disaster claims
our house was flooded from a frozen pipe bust, we called a disaster crew to help with this. they later sent out an estimator to figure the damages. he is being real shady now and won't let us see the estimate and wants to send their estimate to our insurance adjustor. is this legal or fair? aren't we suppose to see the assessment to know if our insurance adjuster is trying to lowball us?
Contents claim with Farmers Insurance
We had a house fire that destroyed almost half the house and the water to put it out destroyed the rest. We are trying to settle a claim on the contents portion with Farmers Insurance without going through the depreciation process but they claim that our policy states they cannot settle a claim, they must go through the depreciation process which is upsetting and excessive. Is this true? We have provided a list of the contents with ages, replacement cost and original purchase cost. We have 1000s of items on the list. We have a Replacement Policy. Do we really have to go through the process? Has anyone in Arizona ever settled a claim with Farmers without going through the depreciation process? Thanks.
Fire restoration and contract
My house was destroyed by fire in March. I was told to retain a public adjuster and he did a contents inventory immediately and told me to hire a contractor next. I interviewed 4 contractors and went forward to rebuild in June. The insurance for structure was less than the contract amount and I was told from my adjuster that I had plenty of insurance. The last payment for the contract is coming due. 1. What are the steps to get the insurance company to pay the difference between the insurance check and the contractors fee. 2. The code upgrade came to $16,000. My son feels that the $16,000 payback will go to the contractor and the adjuster and he said it is up to them to get the money.
I just called the CA Insurance commission to ask about section 2051.5 in regards to rebuilding after a partial loss fire. They said this section only applies to "open" policies, for items such as cargo loads for trucks. They said it does not apply to residential property insurance because homeowners insurance usually has a cap. They said that residential homeowners insurance is only covered under section 10101. Is that true? I've read the legal opinions and they seem to say that 2051.5 applies, but perhaps those were all these for policies without limits? Thank you.
recouping full extendend coverage - partial loss - building an addition
I am trying to rebuild after a major partial loss fire. We are adding a small (less than 500sq ft addition.) My insurance company and I agreed to a theoretical scope based on the cost of rebuilding to like condition. That scope would max out my policy & its extended 25% coverages. However to obtain extended coverage I have to provide receipts for the amount of the base policy, plus the amount of the extended coverage. The problem is the company says many of the receipts I've submitted won't count because they apply to the addition, not building the exact home. Your 'Buy vs Rebuild' article leads me to believe that I should be reimbursed for the agreed upon amount to rebuild the house, (up to policy limits) regardless of what or where we built, as long as we give them receipts for what we are building. Because of time limits on extended coverages, every denial works in their favor.
Miscalculated combined benefit
I am on LTD since Feb 2014. The LTD contract states combined income will not exceed 60%. I am at the max monthly insurance benefit,approx 5.5%,$400 below 60%.I have received a retro SSDI award. Insurance has requested entire amount and is offsetting going forward so monthly income continues to equal 5.5% They have also offset the cost of living SSDI gave for 2016, when my contract states cost of living will not be offset. Most cases involve people who are within the 60% the insurance benefit pays per month (ex if pre-disability was $2400/month, 60% insurance benefit is $2000/mo and any other income is offset) In my case my benefit does not reach 60% and my benefit manager has discussed that I can make a certain amount (approx $400) from "other income" ( which is how the contract defines Federal Social Security) before they can offset.Do you see these cases and what is the best action
EUO/ contents
Our garage caught fire in May 2015, we had a lot of content,that was collected over years, content that I was going to use to start a business, but didn't get to because it was destroyed by the fire, but the insurance company want me to write it off as business. Now they are requesting a second EUO, which I believe they are doing to delay payment. I'm from MS. Do I have to claim my content as business! Because I hadn't started a business yet? Can I record myself during an EUO, can I request a copy of the audio recording, if I feel there were error on the first transcript? What can I do to speed this process up
Trees, Shrubs and Lawn Additional Coverage
We had a house fire that was a total loss and were underinsured and trying to get as much coverage from insurance as possible. We were granted a fair claim on the trees, shrubs coverage but not the lawn. Our lawn of about 1000 sq. ft. needs replacement. We had estimated 1,000 pieces of sod at $3.50 each but there is a $500 limit per tree per our policy, so we only received $500 for the whole lawn. This doesn't seem right and grossly unfair. Is this standard? Are there any arguments I can make? Thanks.
Replacement bedroom furniture damge
Hello, Our bedroom long dresser and a nightstand were damaged due to a water leak through our carpet (not our fault). The apartment owner inspected the damage and told us to write a letter stating its dollar value. We own a full bedroom set (king size headboard, two nightstands, 9 drawer dresser with mirror and a 4 drawer tall chest). The owner acknowledged this during his inspection. The set is over 20 yrs old but still in good condition. The set was a gift, therefore we have no receipts. We found similar sets on furniture websites in the 1,000.00 to 2,000.00 range. Is it reasonable to ask to be reimbursed for the whole set or just the value of the dresser and nightstand (which will cause us to have a mismatched set). Can you also advise us on how to calculate its current value (life left, depreciation, etc.) and how to write such letter. Thank you in advance for your help.
Our misclassified HOA is about to hand the responsibility for FEMA Flood insurance back to the individual home owners. Is there a website out there that compares what kind of flood coverage is available for SW Florida? What is going on with the Flood Ins. Market in SW FL?
personal loss
our house was struck by a tree - 4 tons of Spruce tree to be exact. the Adjuster and Engineer deem it a total loss as are the majority of the contents since it was raining, snowing and freezing out and the entire roof was caved in. We are trying to understand the process of personal items claim. Is it typical that they pay the depreciated value of items documented and then when you replace the items they reimburse the actual replacement cost? It talks about both in our policy - It says it will pay ACV at the time of loss but not more than the amount required to repair or replace". What does that mean?
Fire claim, insurance company recommending contractor purchase everything on structure list. Would like advice about this (doesn't sound right to us)
Had a house fire three months ago and are still negotiating with Allstate regarding amount they will pay. Our question is about the payment process. Since we have a mortgage on the house, Allstate will pay the mortgage company, who will pay the contractor in 3 installments. We understand that this is standard procedure. The Allstate structure adjuster told us that it would make it easier to receive our replacement value if our contractor purchased everything on the structure list so that he could submit less receipts - everything from building materials, which is understandable to carpeting, stove, dishwasher, window shades, bathroom vanity, etc. This doesn't make sense to us. These items will be purchased from a variety of stores, including the internet. I'm sure the contractor doesn't have time to do this, plus we want to keep all receipts for future. Any advice about this practice?
Claim value of items with little market value, huge personal value
After a fire loss, many destroyed items have little market value but huge personal, sentimental, time and financial value to me. For example; paperwork and files, sentimental items (irreplaceable to me), artwork, photos The insurance co, for example, claims that the extensive files and photos that were destroyed are only "valued at the cost of the paper itself", nothing more. It will take huge time/expense to re-create many records, certificates, photos (some irreplaceable), documents, etc. Can I require that the insurance company reimburse me for re-creating what was lost and not just "valued at the cost of the paper itself"?
Fire loss estimate; can I collect from Ins. Co. and do the work myself?
After a fire loss, I received a repair/replacement estimate from insurance adjuster, negotiated further with input from several contractors. I would prefer to collect the estimated amount and take on role of general contractor myself. Can I demand that from the insurance co? As one example, "Firsteam" textile restoration estimated $17,500 for cleaning all damaged textiles. The Insurance co insists that I need to hire them first, then they'll reimburse the $17,500. I would prefer to have control over what gets cleaned, how it gets cleaned and what I will simply discard. What are my rights? Thanks
Repayment of flood insurance proceeds
I have a policy with NFIP that has issued payment. The contractor I originally hired to perform the work has been terminated (for theft). The contractor is insisting that if we finish the work ourselves with another contractor, and for less than the insurance proceeds paid, that we must pay the "excess" of the proceeds back to the NFIP or pay it to them. (Their contract does say I have to pay them 10% of what I pay another contractor if I don't use them.) I'd rather pay it back to the insurance company than have to pay it to a deceptive contractor but, my question is whether the NFIP policy requires repayment. I'll gladly pay it to NFIP if the policy says that but I'm not finding that in the NFIP guidance manual or policy. Do you know if this is true, and can you direct me to the source material?
Water damaged parquet flooring
Ins. Agreed to replace water damaged older parquet in hall, however it is continuous in all of the bedrooms off the hall including closets. Older parquet is no longer available. New differs in tile size, thickness, etc. insurance cutting off at doors.
uphelp.org insurance claim form
Have you got the personal property/contents form designed by you, more user friendly than the one issued by the insurance company? I seem to remember this being mentioned at the meeting but have not found it on this website.
We were sent an email that the insurance company cut off housing and are not reimbursing us. is this normal?
We were asked to submit the paperwork for mileage, storage, laundry and food. WE did this and they paid us a piece of the amount - stating they had to review the papers then get us the rest. Meanwhile - they pulled the resource to find us temp rental house and they few they did suggest we unsuitable for our family. we told them this and even gave driveby suggestons which they rejected. We have done all we have been asked for and now we find our selves homeless, penniless and with no one to turn to for help -- even our agent was told - stay away and we have all the papers to substantiate our decisions and thats it. HELP!!! I need a rood over our heads and money we paid out reimbursed immediately - there is still 80K or so in our ALE account according to our last statement. when they paid the hotel service. At a loss what they want from us and what to do for my family next.
White Waivers
The fire at my house was two years ago. My insurance company wants me to sign a White Waiver or they will not enter into settlement discussions. They are offering less than I think it should be. Of course, I want to settle and get home, but I do not want to waive my rights. Can you point me to any information about this issue?
Rebuilding house: plans are 165 square feet larger than original home
Our plans are slightly larger than original. What can we expect with regards to dwelling coverage? We are willing to pay the difference but how do we set that up? We have State Farm. Do we have to make plans smaller? We told architect the square footage, but initial plans created larger, having hard time removing the 165 square feet form layout. What do we need to do?
My condo flooded from the unit above me caused by leaking pipe.i have flood insurance and no homeowner insurance.damage from water and mold is extensive. Do I need an attorney?
I have been trying to work with the condo association property management and the above unit's insurance adjusters. I am getting no answers as to who pays for damages to what areas. It has been two weeks. Loss has occurred in Florida and I live in Utah. I am keeping a journal and have begun cleanup and dry out procedures after pipe repair to stop water leak.
liability payout
A neighboring business caused a fire that destroyed our business. We are filing a third party claim with their liability insurance. Would this type of claim pay ACV or RCV on our lost items? And, why? Thank you.
Our home was a total loss in the Butte Fire. Have insurance with Lloyds of London. When appraiser came out to see damage, he advised that it appeared that the person who originally came out to see the house for the carrier indicated that the house was 1900 square feet whereas it was actually 2640. (looks like he forgot the upstairs) Coverage was $374,000. This would appear that they must have figured that house could be rebuilt for $140 per sq foot. There is no way that house could be rebuilt for less than $200 per square foot. When we ask about this their agent said that they did use the 2640 Sq Ft figure. Is there anything we can do about this since we relied on them to set the coverage? Can we ask for documentation from them showing that they in fact used 2640 in calculating the rate ?
steps after house fire
I just had a house fire about a week ago I already file a claim just need help understand time delay so I'll be prepared, I read on your site about the ALE you are supposed to get, but cant find it so can you walk the steps with me?q
FEMA Sandy review
I requested a review for a Sandy claim and have not heard back. It was made well within the deadline and I received a Claim #. Several follow-up calls were made without effect.
Commercial Auto Claim
We added a vehicle to our Commercial policy. It was a limousine used for personal use only at this time. We went to the office and picked up a declaration page and proof of insurance cards. On the declaration page there was no amount written in the space under "Stated Value". I had an accident, filed a claim and the insurance company totaled the vehicle. When I was called by the adjuster and told the payout was $6,000 I was SHOCKED. I asked him why it was that amount when the vehicle was just appraised at almost $13,000. He said because the "Stated Value" on it was $6,000 and would not and could not pay anything more. We never agreed on this amount with our insurance agent, was never informed of this amount, nor were we explained the consequences or meaning of what "Stated Value" meant on a policy. What can I do about this unfair practice?
Maxing out coverage
My home and pretty much all the contents therein were destroyed in a house fire. Our coverage A for the dwelling is limited to $200,000. The insurer's contractor estimated the rebuild at $255,000, not including the cost for upgrading to current code (ordinance of law clause). Since we are well over the limit already, does it make sense to not worry about the details of the estimate and whether they low balled us on the details of the rebuild, i.e., finishings inside the house, so I can focus on the more grueling contents portion of the claim? I plan to try to increase the coverage limit using the ordinance of law and trees, shrubs etc. clauses and move things into the other structures coverage but the total cost to rebuild will still likely exceed my coverage limit under Coverage A. I just want to confirm that route would be a better use of my time and limited energy. Thanks.
Insurance coverage
A cable company caused severe damage to the sewage line at my father's house causing tens of thousands of dollars of damage to his basement and yard which now has a 10 foot by 10 foot hole. The insurance company made a settlement determination of $1775.00 to replace the flooring and carpet in the basement and nothing for the yard or broken sewage line. I have requested at least three times for a complete, certified copy of my father's policy. So far all I have received is a sample policy. My father is elderly and frail and unable to deal with this issue. I am not in the same state as my father. Could a public adjuster assist in this situation?
Hi, unfortunately ignorant about insurance, but of course have a home policy. I asked for an adjuster to come and look at storm damage thinking they would tell me their thoughts about whether or not they would cover the damage, and then tell me their estimated amount of damage so that I could determine whether or not to file a claim. They filed the claim as soon as they left the house, and additionally told me that my policy would not renew at the renewal period unless I had replaced my whole roof. I wondered if they can say that? and why they can't just deny the next claim if they think my roof is too old? I feel that they should not be able to dictate when I get a new roof or withhold my whole house coverage because a old roof can only allow for certain types of damage? Please advise! Where will I receive this information?
My current home had a small fire. I have a second home I usually rent. Can I rent the second home to myself and have ins. pay me ALE?
Is it necessary to have home owner, auto and umbrella insurance all from one company?
If I have auto and umbrella from one insurance company and home owners from another company, is there any draw back? should I buy all from the same company? Apart from bundled policy discounts, are there any other advantages of having from the same company vs. any disadvantages for splitting them between different companies? I am a beginner, please advise.
Homeowner Policy with All State
A sewer pipe located under the slab of our home had to be replaced. We filed a claim with All State on August 8 and was was issued a claim number August 12. The insurance claim representative went on vacation so we were speaking to another representative in his absence. We were advised to make the necessary repairs. The original claim representative has not returned phone calls or responded to our emails. The extent of damage to our home is severe. The plumbers had to saw through our stone flooring and slab to get the sewer pipe to make the replacement. an adjuster finally visited out home approximately 1 month after the claim was filed and came in with the attitude of doing as little as possible. We did receive some money but it is not enough to cover the repairs and since then we have discovered more damage. The adjuster will not respond to any phone calls or emails. Attorney?
mortgage company holding my check
We had a bad fire in our house and total to repair was over our policy limit. The insurance company gave us check with the mortgage company (bank) name, mine and my husband name on it. Because it was a large amount the bank is holding the check and sending checks out as property is getting repaired. They state they can not send us check in full. They are saying they have to see paid invoices from my builder before the send check...how are we suppose to paid the builder without the MONEY!and if the builders estimate is alot higher than our policy limit why should it matter?The bank finally send out an inspection to evaluate progress to insure we are using money to repair after my builder and i keep asking them to send someone for them to confirm progress.Also our policy limit includes our living expense so like I said it was max out.This that right for mortgage company to do this
Is there a point where we can no longer hire a public adjuster?
Our insurance company is moving quickly to give us a coverage A check. While we're happy to see them moving quickly, at the same time we wonder if accepting the check, or signing something they give us (or any other action we might take -- or fail to take!) might prevent us from hiring a public adjuster if their settlement seems inadequate. Advice about how and when this door might close would be very helpful.
Do you have a contract for hiring a builder with a cost plus bid that can control expenses and specify a completion date?
We hired a contractor to rebuild our house after a fire. He is reluctant to give us a completion date. He has not officially started building but has a building permit- we paid for out of pocket. We have money from our insurance but would like to utilize our construction loan at some point. Our goal is to pay the least interest on the loan as possible. We also need some assurance the builder will stick to budget and complete the home on time. Can you help us with these concerns or have a sample contract, please? Thanks! Diane M
Personal property claim
I have a homeowners claim after house Fire. Personal property is smoke and water damaged stored in a warehouse. Where should I start this part of claim?
Buying not rebuilding
My insurance, Lloyd's, has agreed to release payment for my dwelling in amount of $161,704.31, but they are only paying $146,408.75. The shortfall is cash value holdback which is some sort of depreciation. Can they do that since I am not rebuilding? The area is a disaster waiting to happen because possible mud slides and downed trees. My house was a mile off road and on a very active seasonal creek. The property now looks like the surface of the moon. I would like to use the insurance to buy elsewhere. My home was completely demolished in the Butte fire.
replacement of contents
My contents were damaged in the fire. Can I buy contents (furniture, etc) and have this furniture shipped to another state to be placed into my relative house as I am considering relocating to this other state after I rebuild and then sell the house? Also can I get reimbursed for the contents lost in the fire if they were giving by someone else for safekeeping? Can this person then buy this contents himself to replace what he has lost and get the replacement cost value for this or should I buy for his contents for him myself? How much time does one have to replace the lost contents?
replacement cost for homeowner
My house was partially damaged by fire (about 300k damage). I would like to sell the house, as is, to a contractor before starting any repair. Instead of this house I plan to buy another property in another state which would cost more than the replacement value of the house that burnt. Would I be able to get the replacement value for the burn house if I do this.
Roofing Scam
I had a roofer stop by after a storm and ask if he could take a look at my roof - unfortunately I said yes. After his inspection, said he could get me a new roof for virtually nothing. He had me sign something saying he could contact my insurance company. After speaking to my insurance company, he called me and said that he had taken care of everything and that even though my deductible was $3000, I was only going to have to pay $1225 because he was going to use other things, such as my shed replacement allowed by insurance, as the other part of my deductible. I am not comfortable with him so I chose to cancel. He said I owe him 25% of the claim since I signed that first piece of paper. On the back of that paper, it does say that. Unfortunately I did not see that from the beginning. Is there anything I can do?
property claims
Are you required to provide tax returns in a property claim when requested by your insurance company?
Homeowners insurance
Does this sound right? My neighbors house burned down and damaged my house in the process. I hired a private claims adjustors to work with my insurane company on the claim so I could repair my house. I just received a renewal for my policy and it increased by 41%. After calling the broker to ask why it went up so much they said it was because I now have a claim on my record? I find it hard to belive that my insurance company does not go back and get the money back from my neighbors policy because I was at no fault but have this claim on my record that I now have to pay for? Something does not sound right to me. This happened in PA. Please let me know if this is what is supposed to be happening. Thanks, Herman H.
I'd been living in a house while renovating it for the homeowner. An electrical fire occurred 2 ago. My roommate & I suffered smoke inhalation, lost all our clothes, etc. The owner locked us out & said "we're on our own" re the loss of pers poss & $
I had been providing both material and labor in the renovation. I had been working on the property since April of this year. Mowing the lawn, etc. The homeowner and I had an agreement where I would get paid ten persent of the sale of the home. The owner has locked us out and refuses to give us the name of his insurancecompany). He also refuses to let us go into the home to go thru what is salvageble. We have no money, no clothes a nd he is even trying to thwart me from getting my tools. Personally, i've kost thousands of $ in clothes, tools and band, P A equip., keyboards, recording equip. Last year I refinshed the interior, ie plater repair, knockdown finish & p a int. I still have building materials in the house he has not paid me for as well as retaining wall blocks.
Where to get help when claim to insurance company for property damage is stalled?
Damage to basement in my house when neighbor's water pipe burst causing flooding in basement to my house. Insurance company says I must sue neighbor myself. Where to I start to go to for help, as the insurance is stalling for time and not taking any steps to honor my claim.
I am a restoration contractor. I am working on a water loss project and I am having an extremely difficult time with the insurance company and the "independent" adjuster that they contracted.
I have been doing disaster restoration for 20 years and have never gone through what I am experiencing on this project. Obviously, there is to much to try to explain in this message but one major issue is that I don't believe that the adjuster is licensed. It isn't necessary to be licensed in Colorado but every adjuster gets licensed in Texas or Indiana. I have exhausted the resources that are available to me to find out if the adjuster is licensed. I submitted the invoice ($27,000) for the dryout and the adjuster/insurance company responded with a payment offer of $13,000. With no explanation! If I (or we) can prove he is not licensed - it would definitely result in a significant law suit or at the very least payment of the invoice. I have more than enough documentation to prove bad faith and deceptive intentions. Please let me know as soon as possible if you can help me. Thanks, Ethan
Length of time through which an insurer must provide ALE?
I lost my home in the Butte Fire. I read this with respect to ALE: "If you lost your home in a declared disaster you get at least 24 months worth of coverage." My insurer disagrees: "the two year provision under the State Disaster Declaration does not really have anything to do with Loss of Use. It merely provides that you have 24 months to complete the rebuild of your home and make claim for depreciation hold back rather than the 12 months as stated in the policy." Where can I find it in legal code, to present to my insurer?
home owners insurance property claim
Insurance company requires I get contractor quotes for work to be completed. I received 3 estimates/quotes. Am I required to use the contractor I submitted estimate for actual work? Or Can I use a different contractor (less expensive) for completion of work? Can I do some of the work myself (like painting) to save money? Must I keep insurance company updated on how I use the money and who I choose to do actual work? Finally - what is impact if check is made out to both mortgage company and myself?
Contractor demanding all insurance proceeds
An apartment we own and rent out flooded. We live in a community property state (NM). I was ill and could not go inspect damage and asked my husband to not sign anything . He gave American Restoration, the water remediation company, a check for $1000.00, our insurance deductible. The took the check and demanded he sign an emergency work contract for them to proceed to remediate the place which was 3 " deep in water. The contract included a rebuild section he did not know was there. The contract gives them rights to negotiate with insurance company (which they did) and all rights to tell our mortgage company to give them all proceeds they hold. Is this contract enforceable as this is community property and I knew nothing about the rebuild contract until 3 months later? American Restoration is demanding a release from us to get all proceeds from our escrow company. Is this legal?
When house was insured the person the agent sent out to measure the house listed it at 1900 SqFt. It is 2640 Sq Ft. She forgot the upstairs. This was told to us by the appraiser. Is there anything we can do about this? This seems to be an obvious mistake on the part of agent.
I am a senior citizen who is looking for some help with my denied insurance claim in the state of il.
Is there any program assistance or legal help to Senior citizens with there denied insurance claims?
Earthquake insurance in Portland, OR
Do you have any suggestions for earthquake insurance in Portland, OR? My broker only offers GeoVera and I'm interested in at exploring other options. Thank you.
our house fire
We had a house fire that was almost a total loss--on both contents and house. The house was completely burned inside--they have taken it down to the frame--however they refuse to put a new roof on--everything is being replaced right down the to the alminum siding. the roof did have some missing shingles from roof damage but you could see were the fire went right up into the roof. They have sprayed it now--we don't know what to do.
content settlement in the state of alabama.
My friend is disabled and has a hard time getting around. He recently lost everything to a fire. He is not capable of performing the task physically. The agent told my friend that the state of alabama does not allow a content settlement. I just need to know if I can still submit the letter asking for a settlement. To who should i address it to. The company is State Farm
Getting money back from a contractor that quit on the job
I gave a contractor $12,000.00 to fix my home that was damaged in a fire and the contractor quit on the job. How do I get the funds that I've given to him back? He refused to refund the money as well as complete the job. He worked on the home one day after he had a team come remove the damaged belongings from the fire. He refused to refund the money, what recourse do I have?
Rebuilding my out buildings without hiring a contractor.
My mortgage company (JPMorgan Chase) is requiring me to hire a contractor to rebuild my garage and barn. I have never hired a contractor and am fully capable of rebuilding to county codes on my own. I there a way to approach the mortgage company so they understood this and will allow me to rebuild. I have no problem following their guideline to release funds I just want to replace the contractor as the builder and do the work myself.
3rd Party insurance claim - fire destroyed uninsured store...
Last year our store was destroyed in a fire started next door. Our insurance had lapsed, store next door had insurance covering damage and has admitted liability. Insurance claim is over a year old and going nowhere, insurance co. keeps asking for more documents, some of which were destroyed. We have "storefront" lawyer who doesn't specialize in insurance. Someone speculated the claim might be "inflated" and the insurance company is just stringing us along, and that we should get a public adjuster to file an "honest" claim and that would expedite things considerably. Is this good advice? Anybody recommended? Is the process as described so far taking too long (13 months?) Our current lawyer has been working on contingency. He's diligent, but nothing is happening. Thank you.
Unresponsive Adjuster
The cabin I was renting burned down in the Valley fire. I have renter's insurance with CSAA. I filed a claim on Sept 14. I spoke with my adjuster a couple of times in the next week. She agreed to send me a $5,000 check or direct deposit it to my account right away. It never happened. Since that time I have called and left messages and I have emailed repeatedly. I have read UP's guidelines and suggestions. I am reluctant to try to go around the adjuster and contact someone else for fear of retribution. I know UP suggests being friendly but firm, but I don't know how to be either when my adjuster won't communicate with me. Is there a polite way to bypass the adjuster, or am I just asking for trouble if I do so? Thanks for your time.
I had a fire in the garage which totaled the car and caused extensive smoke damage throughout the entire house. The FRSTeam came a day after the fire and took all clothes and fabric for cleaning costing over $9K not including storage. The second crew from Restoration Cleanup Company removed all furniture for cleaning and the first estimate came in at $23K. They've now revised it down to $16,620 plus $2625 for storage for 3 months. My contents coverage is limited to $18K. I live on social security and have no means to pay any overages. This doesn't even include the loss of goods in the garage. What are my options? attorney or public adjuster? Thank you.
Date of Loss when vacate order is issued because common hallways will be inaccessible due to fire repairs caused by another condo unit. Damage to the common element surfaces of my unit may or may not be affected. The whole bldg is being emptied.
A fire occurred in another unit on Feb 11. In late August residents were notified to vacate as the common hallways would be inaccessible. Vacate deadline is Nov 1. There seems to be no actual damage to my unit that falls under my policy other than to clean and paint etc. The common elements surfaces that affect my unit (backs of walls and ceilings) may or may not be disturbed during the repairs. This won't be determined in full until the building is vacated. This seems irrelevant. Is my policy's DOL Feb 11 or Nov 1? I don't think I have a covered loss until Nov 1 when I have to move out and then after that should my walls and ceilings need to be disturbed. My carrier is paying to move my personal property and paint the finish coat in my unit, etc. This is about the portion of my temporary housing allowance I get to use based on months from date of loss. Thank you.
What next?
We had a fire destroy our rental home. Thank God everyone is OK. The fire was ruled an accident from the fireplace. The insurance adjuster seems to know nothing about our policy - he never calls. His first contact was THREE DAYS after the fire - when I tracked down his name and number! I always have to call him first. His opinion is that we will get "full coverage" but he's not sure what that is. Seriously? Right now, in limbo waiting on adjuster - it's been two weeks. What should I be doing? Do I get a contractor now? Public adjuster? Legal representation? I hate to put out more money than I have to... but I don't want to get raked over the coals by the insurance company. Any help is appreciated. Thanks, Terri
Do I have to use the adjuster's excel spreadsheet for the inventory? If I find the replacement cost (retail value), do I have to accept a sale price in calculating ACV?
Even the undisputed becomes disputed. August 17 house fire with little burning, but everything smoke and soot damaged. We have yet to have even the undisputed inventory items pass submission. Instead of appreciating that I am willing to use his form, the adjuster is critical of the way I am organizing items by category. I am wondering if I should just use the handwritten sheets done with the cleaning crew, find replacement costs, and submit those. On the second question, I was told that I could replace with a like item, different brand, as long as it was not an upgrade. But, if my Maytag washer, $719 retail, is on sale for $449., I'm being told I can only replace it with a $449. machine if I choose a different brand. That is not a comparable machine.
Re-opening of Sandy flood claim
Hi, I was only paid a fraction of what was needed to repair my home due to Sandy damage. As a result I was unable to make repairs & have been displaced for 3 years. I've re-opened my claim but the adjuster says he only sees $20,000 underpayment that they can give me. I provided a very detailed list of things I felt should be addressed with photos, receipts & statements that I don't believe he even looked at. I'm now requesting a neutral party review. I have three big issues: 1. The rear of my house collapsed during elevation due to shifting sand & water damage. 2. Code compliance for fire resistive materials on the side of my house. 3. Upper cabinet replacement. All of these are being denied, do you think I have a chance to get them approved by this neutral party? Thanks.
Insurance company says they discovered they overpaid for personal property losses
We submitted a partial personal property loss claim due to a house fire and received and cashed the check from the insurance company. When we submitted the rest of the personal property losses, the insurance company said they looked back at our first submission and discovered they had accidentally multiplied some of the line item amounts, resulting in an over payment. Are we liable for the over payment since it was their mistake and we cashed the check, never realizing a mistake may have been made? Can they deduct the amount from the second portion of our personal property loss? They are asking me to go through the original list and let them know WHICH items they may have overpaid us on.
I lost my home 3 weeks ago in valley fire and will tomorrow be able to get into Anderson springs to see my former home for the first time - farmers is really pressuring me to settle and insists I meet next week to settle and get check. Doesn't feel ok
Total loss but I am concerned that to get the extended coverage and code upgrade coverage which is 35% and I need to rebuild I must have incurred the costs within 2 years. Given the severity of the situation who knows if I am able to rebuild in 2 years. They tell me the clock starts once I am given the check and this they are very eager to settle and start the clock
my insurance company, AMerican Modern, will NOT send us our entire policy.
We have asked our insurance co, American Modern to mail and e-mail our entire policy and they say they don't have it. our broker was in the fire and not sure he has it. how can we get it?
Variable universal life insurance
My insurance agent just informed me that my mother's life insurance policy has lapse even though we have been paying premiums for many years. My agent says that there is another policy that my mom can apply for but she would need to undergo medical underwriting. My mom is almost 90 years old. My question is twofold: Is there any way to keep the current policy? And how can I make sure that my agent is looking out for our best interest? Any advice would be greatly appreciated!
Valley Fire
I lived in Cobb, House is burned to foundation' the contents/personal is rushing me to meet..I have told her that I'm making a list and would call when I finish to meet, Is this the right course to take and finish list first? Section D of my policy "Loss of Use" is actual losses sustained - in 24 mos. If my rebuilding the home takes longer, no fault of mine, do I have any recourse?
Had a house fire in 2011 and had been rebuilt since. Noticed problem with the house ( not level )
The insurance company paid about $170k initially for house rebuild. But the construction company only did repairs to the parts of the house that was damaged , did not completely tear down. When the house was completed in Sept. 2012 , the insurance company actually paid $191k . I would like to know if the construction company took the money and did not perform the job properly. I noticed the house is not level, lower on one end . Would like to find out where I could get help and opinion on this issue. Thank you very much !
Had a house fire in 2011 and had been rebuilt since. Noticed problem with the house ( not level )
The insurance company paid about $170k initially for house rebuild. But the construction company only did repairs to the parts of the house that was damaged , did not completely tear down. When the house was completed in Sept. 2012 , the insurance company actually paid $191k . I would like to know if the construction company took the money and did not perform the job properly. I noticed the house is not level, lower on one end . Would like to find out where I could get help and opinion on this issue. Thank you very much !
Temporary housing due to extensive home damage from a fire.
I've been living in a rental home for over 4 months and my insurance company told me my family of 6 now have to move into a motel until our home is repaired from a fire. The Insurance company advised my landlord in late July that our family would be leaving on 9-30-15 and the landlord has another short term tenant waiting to move in the first week of October. We learned today our home will not be ready for occupancy until sometime in October. The landlord is willing to allow us to stay an additional month, knowing it would result in losing his new tenant; however, he's asking double compensation for the additional month. I see this as very reasonable for everyone since he would be taking a big risk of having the property empty after our family moves out. My insurance would not approve the landlords request. Moving into a motel will not maintain our standard of living. Please help.
getting insurance after a house fire
Hi, I had a devastating house fire in May, 2013. State Farm was my carrier and they cancelled me earlier this year. I got a new policy from Farmer's and they just cancelled me, citing the fire claim as their reason (even though I reported the fire when I took out the new policy a few months ago). Who can I turn to to get a homeowner's insurance policy?
Time limitation on rebuilding
Our California home was a total fire loss caused by negligence. We have completed the demolition and grading of building site. Is there a specific limitation that AAA Insurance can impose for use to start the rebuilding process? Must we hire a general contractor and have a signed contract with the builder by a specific date? Must the rebuilding begin with a specific number of months or up to specific number of years. If the home is located in a rural area and there is a shortage to qualified builders can this deadline be extended?
Homeowner's Insurance
How do I get our insurance company to pay for damage to our house? Our newly purchased house had a ~4 year old roof that began leaking after a derecho storm here in Virginia. Various individuals told us roof incorrectly installed. One of the roofers, who videotaped roof on my behalf before starting teardown; the insurance adjuster; and the roofing salesman who I wager is a decent and honest individual. HOWEVER. What about collateral damage? HVAC system in attic; insulation in attic; walls, ceilings, flooring, etc. etc. How do we know how to determine what damage to claim (especially insulation, HVAC vent system, drywall, ceiling) and what damage may have already pre-existed from previous homeowners? We are at a loss. Our insurance company blew us off. It will be two years in Oct 2012 and we have been living with interior damage. What to do? Thank you for your advise! : )
Fire claim breach of contract?, bad faith, performance duties, protocol & process of handling claim...
House fire xmas mrning 2012, notice to insurer 12/26/2012, insurance adj inspection jan 3,2013.Months and months of numerous calls, voicemails & emails to insurer & insurer's adjuster re: status of damage & renovation estimate progress, completion, projection of submittal time.Where a response via vce message on less thn a handful of occasions & 2 times direct conversation (excuses of out of town, sick etc & promise of projected date that was never kept), leaving the 90% of other msgs to insurer/adjuster unreplied. 9 months after notice to insurer a scope was provided and it was compiled by a third party that adjuster hired to assess damage and estimate a scope of renovations, repair, replacement costs. House sat closed up thru 3 seasons waiting on insurer's scope that took 9 months. This is just the first of many following discrepancies, claim is still ongoing...
large loss fire loss
October 2,2014 large loss fire second home vacation home. Anniversary of loss almost a year. Did abatement demolition and tree removal. Completed personal property inventory on July 26th. Then started to prep the parcel to sell it rather then build August/Sept. Market is not good for land. Best option may be to build. Spoke to architect on Saturday. Have been trying to settle with AAA for ALE benefits as this was vacation home for sum settlement. We were incurring hotel costs. Wrote letter to them Friday, Sept 11th. One step at a time is not easy. Now we feel building might be the right option. Is there specific time period that the insurance company can impose if construction starts after 1 year. This was not a disaster fire it was due to negligence. AAA is ok but not communicative. We have to discover on our own. Thank you
mortgage company not releasing insurance funds. Five months ago I had hail damage on my roof.
My insurance company gave me a check for half of the claim, remainder when repairs are done. Now mortgage company will not release any funds. I have been doing everything they ask. It keeps changing. Everyone tells me something different. Now, they have been saying that they will give me 25% down. Then when the job is 40% done they will send an inspector out within 5 days. Then the same when it is done. But they are only basing their percentages on half of the amount. The roof will take two days from start to finish to be repaired. I'm having trouble finding a contractor that will first wait and second to accept those terms. I still am being reviewed for the initial 25% which my contractor doesn't know that it's not 25% of the entire bid. Then, my roof has begun to leak through my ceiling and light fixture. Turned off breaker to my kitchen. Additional damage insulation, drywall, plywood.
Sworn Proof Loss How to Complete -Would like to be able to hire additional professionals to verify scope. Do not know what is provided to adjusters in the adjustment process and if there will be an added benefit. I want to put the correct amount on SOL
Dump Truck Hit Building $100k+ diff scope insurer vs insured, engineering/builders estimates : 1) Submit with what they offered of 35k net (coinsurance penalty applied) and then after try to prove there is an increase in scope and argue the valuation. Then we request appraisal to increase scope but we have been paid lesser amount. 2) Submit Higher amount as it is what we know to be true at the moment with an engineer and contract estimator who came to the number. I have then been told to put a * and something along the lines of value as of this date and I reserve the right to amend the proof of loss as needed. Including a cover letter requesting the undisputed amount pursuant to a NY guideline. 3) Write in "Undetermined" . This is frowned upon and they may ask for deposition. I like this idea but feel since we have already submitted what we know at the moment it is not a proper
STD denial
i work for kroger. sedgwick denied my claim. the denial letter i received is nothing more than a form letter marked denied. my short term disability was denied because they do not have a denial letter with the reason for denial. my employer claims they do not keep any files, only sedgwick has them. i asked to have the letter faxed to my insurance company so i could receive std. kroger said they can not talk to me because i have retained counsel to represent me at the hearing. my attorney said this is a seperate issue not related to the hearing. i agree with her. sedgwick said a week ago they would send a copy of the letter to my attorney. still no letter after 5 working days. how can i force their hand. i am also pretty sure when they do send the letter it will be the same form letter with no reason for denial. its one document i need faxed. why the games?
Mold Protection
Are there any companies in Texas that provide coverage for mold damage?
Flood Claim that has never been closed
Repairs partially completed disagreement between insurance company and reconstruction contractor our insurance broker tells us they are working to resolve problem but no help. The claim [Flood] occurred on four different occasions in June of 2012
ALE vacation loss use
AAA is the insurer. October 2, 2014 large loss fire. How can we find out what are time limits for ALE benefits are. It is not in our booklet. I wrote a letter to claim's adjuster supervisor for a settlement price. She misunderstood my total figure but wrote back. She did hint in her letter to me that the claim is almost a year now. She hinted it depends on if we are going to rebuild or not. We have not decided. We just finished CIS inventory on July 26th. We have spent two months preparing the land for sale however we are still not decided if we will rebuild. The land may not be saleable in this market in CA. I would like to express to her that this settlement figure is for this year but any additional time on claim is not satisfied up for negotiation. Right now we go to hotels on incurred expense but cannot always get away. In fact, August Sept just fixing up the land. Thank you
A financed tractor loss.
Is it ethical (legal) to claim a total loss of $22,000 against my personal property portion of my Homeowner's policy for a Kubota tractor (Model BX25-D) which was totally destroyed as a result of a barn fire which occurred on my property (ruled accidental in origin). I financed the tractor, thru the seller, Rhode Island Harvesting Company from Kubota Credit Corporation, USA, and the insurance from written by (my assumption is underwritten by) KTAC Insurance Agency. This tractor does not require a to be titled or registered, by state regulation, so I am told, which basically means that it does not require insurance of its own (did I mention its only one (1) month old). So, I think, the question becomes can I ask (demand) my insurance carrier pay me for the value of the loss.
Homeowner premium post claim
Is there any regulations as to how much could your premium be increased post homeowner's claims? I was hit by storm sandy and then in April 2013 by a house fire. In 7/20/2015 my premium renewal was $3,823 In 7/20/2012 my premium renewal was $1,859. When I asked Liberty Mutual why the horrendous increased, they responded due to my two claims.
Long Term Disability? Attorney? ACC Healthcare?
I am on Medical Leave from my job and on CA Short Term Disability. I have multiple medical conditions I am managing. I have completed my FMLA 4-months job protected leave. 1. If I am terminated, will I lose my Company Benefit to receive UNUM Long Term Disability? Or, if I agree to "Severance" pay, do I lose the Company Benefit to receive UNAM Long Term Disability? 2. I applied for UNAM Long Term Disability. Is it necessary, generally, to hire a "Disability Attorney"? 3. My Company Medical/Dental Benefits expired, after 90 days. I am currently on COBRA ($800/mo). Are there cheaper options? (the first question on the ACC website is re: "annual" income. My current income is low because I am on State Disability, but my annual income for 2015 is much higher.
water loss/mold
Question, we had a roof leak that turned into black mold. The field adjuster told us to lie to our insurance company and that he would take care of us, well he has now did a 180 and is denying that he told us these items to lie on, and we have all the text messages that he sent us to prove it, now its taken so long to finish our claim our whole home is contaminated with mold. Can we hold our field adjuster libel for giving us false information, and telling us to give false information? We are going to loose everything in our home because of his information and I just don't think its right, any help would be greatly appreciated
Advancements on Homeowners policy
Our home was severely damaged by fire July 30, 2015. Our home is and remains uninhabitable. Our adjuster (contracted) informed us we can get a advancement to use for living expenses we were happy to get it. Now our adjuster informed us that the advancement came out of our personal property claim not our ALE. Is this common practice and how can we fight this? We have receipts to support where and what the money went towards and that it was used for additional living expenses.
I have a claim in for ALE and it states on the proof of loss document the word final payment loss of use is used does that mean the claim is closed? I live in Indiana.
Subrogation and CA Made whole Doctrine
After an insured loss, does the insurer obtain subrogation rights after the first Payment to the insured to amount of that payment, or when the amount of the insured loss is paid in full up to the policy limits? If the insured is not made whole under their policy, does the insured victim have the right to recover their uninsured damages from the responsible party prior to payment of the insurers subrogation claim? Last part of the question is their ever a situation where the insurer is legally allowed to recover in their subrogation claim , not only the amount paid towards an insureds claim, but the amount not paid, however, held in reserve for potential liability to their insured, giving the party responsible for the loss a 100% off set against the victims uninsured loss.?
Hail damage claim on a 20-year old T-lock roof
The roof was inspected by a roofer prior to my filing the claim and they found blistering and hail damage. The insurance adjustor subsequently denied the claim since he did not see any hail damage. I called a second roofer and they also found hail damage along with blistering. I have a written report from the 2nd. The roof is 20-years old and the shingles are T-lock, which are no longer made. Last year, Allstate introduced a modification to their policies stating that T-lock roofs would not be replaced unless there was evidence of total loss. I received a letter notifying me of my right to an appraisal, but spoke to the adjustor's supervisor and he suggested that I call a 2nd roofer, get an estimate with pictures and they would decide if a 2nd inspection with a different adjustor would be granted. Should I call a roofer or a public adjustor to address the supervisor's suggestion?
Mold Denial
My insurance company denied that my home had mold. I demanded an inspection and mold and mold spores were found. They are deducting the cost of the inspection out of the mold payment. Please help!
Smoke damage in our home due to a grass fire that destroyed 3 cars and burned around our house
I am requesting they change the carpets, mattress and furniture made out of material due to smoke damage. My daughter lives with me and she is pregnant due in Nov. She has a one year old and a two year old. They have cleaned but it still smells like smoke can I force Insurance to replace these items?
insurance reconstruction costs in Ohio
What is the average cost per square foot to rebuild a house in Ohio?
Being turned down twice for homeowners insurance
I am stunned to have just been turned down twice online when trying to secure homeowners insurance. I currently have AAA homeowners which renews next month and I have not been happy with them. I have never even had a claim! However, I replaced my roof this year and more just out of curiosity asked my agent if homeowner's covered it? (I had already replaced and paid for new roof) He said he doubted it but if I had some left over shingles to take some pics and send it to him which I did. I never heard another word and completely forgot about it. Did THAT go on my record as a CLAIM? I cannot figure out why I had NO problem getting auto and then got denied on the homeowners tonight from Esurance and Liberty Mutual tonight. Is there a way for me to see what insurance companies are reading about me to base decision?
House fire
We had a house fire and they took our furniture and cleaned it and brought it back and the wood has a smoke and mildewed smell. The adjuster says he can't smell it. He sent a person to look at it and they say they can't smell it, but my husband and I live here and trust me u can smell it. They don't want to pay to replace it they say nothing is wrong with it. We had another person tell us they could smell it and the fact is it was in the burnt house for 2 months before they came and got it to clean it.....can we make they replace it? Very hard Insurance Co to deal with.
We had a fire back in March of this year - our question is about our contents
We are having a hard time with getting paid for our contents...they want us to buy the stuff back and then they will give our money back as we buy back.....we had a 31,000.00 dollar loss and they want to give us 19,000.00 dollars is this fair? Also can we cash out and just take the money with out buying back?
What kinds of things should I incude in my NJ homeowner's insurance policy?
I live in New Jersey, purchased my first home. Home is NOT in a flood zone, but I want to be protected from theft, fire, anything that might happen that would prevent me from living in it. I want contents covered to the max, and I want loss of use to the max. I want to make sure I have every possible protection, due to what I've seen after Superstorm Sandy.
Payment for damages
Checks for repairs were less than required. Ready to go to court but I've been told I need to give back the monies received before I can proceed. Is this true?
Financial value of furniture
Some of the furniture in our house was inherited, e.g. glass doors bookcase, lamp, table, etc. The pieces are well made. There are no purchase receipts. Without hiring a appraiser how can we best assign a financial value to these pieces of furniture? Thank you. John & Susan Roth.
whole life insurance policy
My mother's whole life policy was written in 1979 with a face value of $5,000 with quarterly premiums of $49.85. By the tenth year, the policy had accrued $499.24. By year 15 it totaled$1,294.31. There are many questionable details about this policy which are too lengthy to put before you now. I need to know if these figures are possibly be right.
on going battle with the insurance company
I have been trying to settle a claim filed over 2 years. I had a public adjuster and he has moved another state and will not respond to me. My question is, how do I get another adjuster or can I represent myself with the insurance company and the umpire. What are my legal rights on this?
Since we will not be able to live in our uninhabitable house for months, I would prefer my rental to be in an adjoining state in order to be have the support of my family during this emotionally trying time. Our house is in AZ, family in CA.
Are they able to deny that accommodation as long as the cost is comparable and I furnish them with the monthly rental receipts? Our insurer's proposal is to place 2 adults plus a dog in a 260-300 sq ft claustrophobic Extended Stay one room suite, which is in no way comparable to our 1218 sq ft single family garaged home with 2 baths, separate kitchen, office, dining room, huge private yard, etc . Plus, Extended Stay is all non smoking, a restriction we do not have at home. And btw, just in case you're wondering, no, we do not intend to live with family and pay them rent. We need our own space. Thx so much for your advice.
Disbursements from Mortgage Holder following house fire
The article http://uphelp.org/pubs/getting-your-mortgage-company-release-insurance-proceeds was very helpful, but made several references to being specific to CA. I live in WA, and my insurance for dwelling was significantly larger than the mortgage balance. What area of WA state law would I reference to find out what my options are? I'm not quite ready to rebuild; should I be able to get the funds (minus the balance of the mortgage) to put it in some sort of interest bearing account?
A certified copy of a home owner's policy
I have requested a certified copy of my policy for homeowner's insurance but what I got from my adjuster is just a booklet and a supplement with out any identifying information or a stamp on it mailed from his office. How does this help me? Is this really a certified copy? I used a sample letter from your site and sent it to my agent. He emailed me my new policy that was just renewed and an old declarations page and said his office doesn't send certified mail. What does a certified policy look like and how do I describe it to my agent so he can get one? Thanks for your help. After I filed a claim they changed the way they were initially handling it based on a lost supplement that they found. I just want to see what was officially on file on my date of loss. My agent didn't even have the supplement until the adjuster emailed it to him.
Water damage to Home.
What is the hourly rate the insurance company will reimburse for clean up done by home owner?
Partial Fire loss from my neighbors house
On Jan 31, 2015, my neighbor had a bad house fire, her home was totaled. Unfortunately, it went to my house, causing melted siding, damage to the insulation, etc. I can not get the insurance to pay, Erie and Niagara, so I went to an insurance adjust other then mine and not much luck there. In September we ran our central air working great covered in October, and in May turned on to see how it was running and it is not. Called two service men they cant test because the Freon blew during the fire, and took out the air compressor, coil, etc. Since there is no way to test a 4 year old central air, the insurance does not want to pay. It cost me $5000 for this central air 4 years ago. One of the techs did put in writing in his opinion it was damaged to the fire. Just don't know where to go for help, nothing is working, and I have never filed a claim. Brenda
Liberty Mutual Homeowners Policy
After more than a month with no water, we have learned many things as a family. It has been determined that the reasoning for getting amounts of petroleum and oil inside our entire house through the plumbing system, was due to the naturally occurring event that took place in Texas during the month of May. Our insurance company will not pay for anything. Our water is toxic and we had no control over what has happened to us and our home. We have received some help, because of the disaster declaration. We were able to extend our mortgage payments for three months. There is nothing in our Policy that mentions anything about a natural occurring event. So they will not pay.
Temporary Housing
My house upstairs and downstairs bathroom got water damaged from a leak from the upstairs toilet and I am requesting hotel accommodations for the time it will take to repair our upstairs bathroom. We were approved for a temporary housing allowance, but my insurance adjuster is saying we can't use it because our downstairs bathroom is working. I am requesting a hotel for my immediate family to go to due to my in laws living with us and using the downstairs bathroom and because I have 3 young kids and it being summertime and everyone being home all day and the construction work being done next to all of our bedrooms upstairs and it going to be too noisy and disruptive. Is the adjuster correct in saying we don't qualify for housing because our house is not inhabitable? What do I do if he is incorrect? We have AAA insurance with no other claims filed ever in my 14 years with them.
Fraudulent manner auto insurance company is classifying a 'single incident' and falsely invoking coverage limits...and more!
Greetings, My (parked) vehicle was the victim of a hit-and-run accident almost 2 months ago and is still disabled. Luckily, the at-fault driver was apprehended and there is a full police report with witness accounts. As it happens, several other vehicles were also struck by the same vehicle/driver at a later point in time and at different locations. One witness describes that after hitting my vehicle (the first off all collisions), the driver stopped, got out, looked at the damage, and then returned to his stopped vehicle and drove off again (to eventually hit the other cars). The at-fault insurance company is trying to lump all of the disparate collisions into a 'single incident' to hide behind their coverage limits to minimize their payout, leaving me far from made whole. My agency and several other objective parties agree this is preposterous and nefarious.
insurance denial for Bat remediation
I have been denied insurance claim for bat removal, guano removal, and new insulation installed because my insurance company stated this is a maintenance and polution issue not a health issue. Is there any recourse here? Are there insurance companies that will cover this issue?
Flood Insurance Claim
How can I make sure that the Flood Insurance Provider is paying the full value of the damage? Should I get my own appraisal done? Contact an Attorney? Or just get estimates of the repairs needed? What can I do if I think that the claim money received for the value of my contents is too low?
is it true we have to have pictures of every item from our underwear to our kitchen spices? a separate picture for every item in the house? so if i had a million items in my house i need to take a million pictures of each item? what if i dont have items to take pictures of? what if they were lost in the fire?
why do contractors always ask "what is the amount of money your insurance is going to give you before wanting to give you a quote? should we tell anyone how much coverage we have? is it recommended to let contractor speak with our adjuster?
proof of loss
we had a bad fire in our house and i am having to fill out proof of loss form. why is my adjuster rushing me to fill out. i thought i had 60 days to fill out? on the form its asking me " total amount of insurance available at the time of loss? we i have dwelling, personal property and other structures. i may have more that i dont know about without look at the policy that my adjuster is looking at. so im confused on what to put on that area. also it is asking "amount of damages from above report loss (must attach support documentation)..how can i fill this out if our adjustor has not giving us a report? the last thing it is asking me is the amount claimed under RVOS policy for above report loss...i fell like i have to wait til my adjustor gives us a final report..right?
Personal property lost in a house fire.
The home I lived in for 3 yrs with my boyfriend burned down May 2, 2015. All of a sudden, he's decided he's not my significant other and refuses to tell me the name of who our insurer is. Meanwhile, he's being made whole again while I'm devastated with seemingly no recourse to recover ANYTHING for my property? Is this right? Can someone out there please advise me? I have the clothes on my back and a sketch of my 13 yr old daughter , that's literally it. With best of regards for you and yours, Lorraine.
property damage other party's liability
Our business was damaged due to a fire that originated in a neighboring business. We will be filing a claim with their liability insurance. The insurance company will not provide us with a copy of their insurance policy. How do we know how to value our inventory (replacement value or ACV)? Thank you.
salvager/restorer never supplied pricing or even invoices until 13mo after our fire, despite being asked for.
in NJ, my insurance company brought a salvager/restorer with him the day after our fire. Despite requesting invoices and pricing, I never received anything until 13 months after the fire. We were 'held hostage' by this company because they had our things. Do we have any recourse?
Outdoor hot tub contents or structure
Recently I had a fire at my home in NY state that completely destroyed the home. I had an outdoor hot tub. I have an elevated deck (9 feet) and cut a hole in the deck to fit the tub. I then built a structure to withstand the weight of the hot tub filled with water. The deck and hot tub were totally destroyed by the fire. My question is; is the Hottub considered part of the damaged structure or contents? Thank you.
Claim Guidance - Furniture replacement
We had a home fire about a month and a half ago. Our wood furniture has been cleaned professionally using ozone but still smells like smoke. Our insurance agent is suggesting just having it sanded and refinished. We are concerned that because the wood is retaining a smoke smell simply refinishing it will not remove the smoke smell. The furniture was left in the home for about a month before it was removed for cleaning which may be contributing to the problem. Can we insist our insurance pay for us to replace the furniture instead of merely trying to refinish?
calculating additional living expense- renters insurance and roomates
My rental unit was destroyed in a fire on 4/7/15. I'm now staying in a hotel paid for by State Farm ALE. I've been asking to be placed in a long term temporary rental for over a month as the hotel we are in is not comparable to our large rental home. I continue to be told that the company is having difficulty locating a more permanent solution for us. Today they called & said I need to send them $2700 for May & June's rent since landlord isn't collecting it. Can they really demand I pay them rent to be in a substandard hotel? Also while the monthly rent was $1350, I had a roommate who's on the lease & paid half the rent. When I filed the claim, I was told by State Farm that he's not covered by my policy & I didn't include his property or ALE's in my claim. Can they really demand that I pay the entire amount of rent to them even though I was only responsible for half?
Total Loss
Can a home be insured after current insurance company declares it a total loss?
Home fire complete loss.
My rental insurance sent their investigator, I sent the insurance company my list of contents with as much info as I could. Now waiting, is there any emergency financial help while I wait for the claim process?
Homeowners Insurance - Deductible Change
My Homeowners Insurance has been with State Farm for many years. Recently, I was informed that my deductible would be changed from the current $1,000 to .5% of the insured value. This would change my deductible from $1,000 to approximately $3,250. Since I am a long time policyholder, I am able to keep the deductible at $1,000 for and additional premium of $291. I realize that the company is not making as much from their investments as they were in past, never the less, this is a significant change to the policy with nothing done on my part. I have never filed a claim with the company. Question: Are other companies doing this? I have all my insurance with State Farm, including Homeowners, Auto on 3 cars, and personal liability. I do not necessarily want the cheapest insurance. I want a reasonable cost and good service when necessary, including claim handling in emergency.
cleaning of items
in NJ, can cleaning of items salvaged from a bad fire be considered ALE? My public adjuster says no, but our relationship has become difficult and it is always possible that he doesn't want to argue it with the insurance co because it would take away from his percentage of the contents loss. help...
So my wife was cooking and pow a grease fire occured. We lost our microwave, cooktop, cabinets above the microwave are burnt along with our ceiling, wall and backsplash. There is soot and dry chemical spray everywhere 1st and 2nd floors. I guess what should my insurance cover. If they replace the cabinets, now the cabinets won't match obviously. So will they have to or should they replace all the cabinets. Should I expect them to hire someone to repaint, the walls and ceiling and replace the backsplash? What about cleaning am I entitled for a cleaning on 1st and 2nd floors?
Contractor issues
Our contractor alleges that we owe him our final check from Farmers. This was a Rec dep check. We used the proceeds from the check to pay some subs that weren't paid (landscape, patio covers, and gutters). He is threatening to take us to court. The whole experience has been a disaster. We signed with the contractor the day after our total loss fire at our Adjuster's urging. The rebuild process was not at all what we expected. In 20 months our contractor was on site ten times, usually to pick up a check. (from out of town) The RD was actually overpaid due to the fact that two larger estimates were turned in to Farmers by the contractor that were actually too high. They included some upgrades that I paid for out of pocket. I pointed this out as soon as I noticed to the adjuster. I have two issues: how to defend allegations and should I pursue damages for this nightmare. Thank you!
need to determine diff between ALE and contents coverage in NJ
We were displaced from our home (120913) due to bad fire and winter. Does ALE cover the cleaning of items salvaged from the house? After all, it would have been an addtl expense for us, since we could not keep our jobs doing it nor do we have the knowledge. Unfortunately, we hired a public adjuster in the middle who is very crass and difficult. Looking to learn what is standard in NJ? Thank you in advance!
My car insurance claim
I was a victim of a robbery 1 month ago . I haven't received any update from my adjuster . And the rental car I have is due for return today June 2 because the 30 days is up. What can I do to find out how long more it's taking and why . Should I contact the adjuster or should I wait . Is my adjuster doing the right thing by not contacting me or she suppose to give me a notice .. Please help
Lost my home in the Black Forest Fire (CO) in 2013. Rebuilt. Am 8 months into warranty period. Have experienced problems since first month, with electrical system/circuits. Builder has refused to troubleshoot and/or correct electrical issues,
Dimming occurs in every room associated with individual circuits and occurs when i plug in appliances like vacuum cleaner or clothes iron. These same appliances did not dim the lights at the house i rented while my house was being rebuilt, so it is reasonable to assume that the problem is not with the appliance, but with the house wiring. Builder has told me the dimming lights are "normal". Power also cuts off, then on, at unpredictable times, for reasons unknown. Power outs are consistent in that they occur, but not consistent in time they occur or predicable as to cause .
Ordinance and Law
I am in the process of getting estimates to repair my home after a house fire that occurred August 29, 2014. I have Additional Coverage for Ordinance/Law. The estimate that my PA and GA did does not include estimates for code upgrades. The GA response was "On the ordinance and law scope of repairs will not be known until you file your repair estimate with the City of Detroit. At that time the City will let us know what codes would be required if any. At that time we would include in the estimate and would not be paid until the repairs are incurred." But I have a Loss Settlement portion of my policy that states: the terms "cost to repair or replace" do not include the increased costs incurred to comply with the enforcement of any ordinance or law, except to the extent that coverage for these increased costs is provided in E11 Ordinance or Law under Section I.
Claim in Vermont
I had ice damage to my home. The adjuster that came out the works for my insurance company. He was barely here, inside and outside 10 minutes. They severely lowballed the damage as compared to the different contractors estimates. I have not signed anything because without my estimates in place yet, the adjuster emailed me the amount my insurance company will pay less the adjustments. Foremost, my pine floors are now warped and cracked. The adjuster put in for sanding the whole lower floors. My issue is that the contractors state the warping cannot be removed and the flooring must be replaced. My issue, is that I have severe MCS. I cannot live where there are fumes or out-gassing of any type. Indeed, I am disabled because of my severe MCS. The contractors found a manufacturer that does the finish at the factory with UV so there is no out-gassing. What do I do now?
Partial denial
in 2013 and 2014 I had emailed some photos of items/contents damaged in a room that got flooded by Hurricane Sandy. To my flood insurance carrier, Allstate. The items were toilet bowls and related parts that assemble to toilet bowls In a letter dated May 30-2014, From Allstate, it said that they denied payment for plumbing parts. They were not itemized. The items probably don't exceed $1,000. I am not concerned about that amount of money if suing expenses costs close to that later. However, is it still important to sue in order to preserve the right to sue. Is there more importance to the suit besides the dollar figure of the claim? Allstate had refused to process our claims for over eight months since the ones I emailed with a signed Proof of Loss. They refused because we did not sign a non-waiver agreement. Recently they closed the whole claim after FEMA took took the case.
House Restoration from garage fire - mismatched siding issue
Insurance company will only agree to replace the now-discontinued siding on two sides of our house that were affected by a garage fire. They updated my policy 3 weeks prior to our fire to state that they are not required to match siding. We live in Colorado. To avoid being left with mismatched siding, which I believe we can't have per our HOA rules, we will have to pay out of pocket. In our opinion, this essentially increases our deductible by thousands of dollars and feel this new policy unfairly burdens the insured. Do we have any recourse and are there recommendations actions? Thanks for any insight or advice!
I'm attemting to obtain copies of recorded conversation in regard to my vehicle accident for both myself and conversation in reference to my claim between adjuster and manager of the auto body shop.
I have a dispute with Allied Property & Casualty Company adjuster’s report of the cause of my vehicle accident. Allied never visually inspected the vehicle but only reviewed pictures taken by the body shop. Under CA Insurance Department requirements that Allied’s adjuster personally look at damage of vehicle. When I disputed the adjusters report he called the body shop manager. Allied assessment was only based on pictures and comments from conversation with the manager. The body shop manager told me that his conversation with the adjuster was different then the adjusters report. I 'm attempting to have the consumer services of CA Dept. of Insurance contact the manager for the actual conversation that he had. The mgr. is willing to review what the adjuster reported. I’m not certain if the Insurance Department will directly call the manager of the auto body shop.
State Farm house ins.
we have been w/state farm for 49+ yrs., Had two claims in less of five yrs on the home owners one was for $1,100.00 the other was $3,000.00, just received a termination letter, because of claims is this fair? we have always made our home ins. pymt. and been loyal to State farm, we also carry our auto with them.. what type of ins. would you recommend.. If we file a complaint it could take us as long as 2 yrs to get it settled, plus the paper work we would have to pay for....
The recovery process
10/2009 fire did $313,000 in damage to home. Insurance contractor’s estimate for $125,000, 8 supplements for $75,000, 22 months, plus Appraisal $16,000 after another 20 months, $97,000 short; personal property more of the same. Bank gave ⅓ of $200K, demanded ½ of $313K work done. Estimator’s photos show he downgraded and missed items installed. Appraisers requested estimate and supplements combined into one document, during which 69 line items were changed, 24 altered, 14 added and 31 missing. Appraisers used this document as base for their award. Appraisers made many questionable changes but they also zeroed out flooring materials, carpet and hardwood, but left declaration “per specs independent analysis”. Have Xactimate expert’s reports for above. Insured homeowner bankrupt but filed a pro per breach and fraud case. No attorneys, so far, willing to take the case. Laws inadequate.
Moisture mold claim process
MY HOA's insurance company is investigating a claim for water damage to my floors. The environmental study I had done indicated pervasive moisture and mold in the floors. The HOA insurance company now wants me to do the remediation so they can see more of what's under the floors. They have not cared about the mold and their employees previously, they say mold isn't covered in the policy so I have to pay for the remediation. If they want to open the floors for investigation, isn't dealing with the mold part just part of the process of tearing up the floors for investigation?
Insurance Process and Contractor evaluation
An insured motorist ran into my 1960's Rambler. Damage includes shifting of house on I-beam by ~1 inch, block damage on impact side requiring removal, cracks in mortal on opposite side, ceiling, cracks at doors, scratch on laminate flooring, etc... My problem: I am working with my insurance and they are responsive but does not want to meet until I find a contractor. The contractors they recommend wont provide scope of work as they want to work with adjuster to come up with scope. I dont want to hire someone that is not in congruence with my ideas of scope. I feel that I don’t want to argue with both my contractor and the adjuster. Am I out of line in this thinking? Am I being paranoid? Also, is it out of line to ask to see current working job site as well as references? How about expecting return emails in a timely fashion? Am I setting my bar too high?
DisabilityClaims Law Specialist on in Central Florida
I filed an ask the Expert on this site a week or two ago. Do you provide A referral svc to attys who have prevailed against Specific insurers ?
Public Adjuster contract cancelation
How do we properly cancel further representation in our 15 month old house fire claim by a particular Public Adjuster in California ? And properly notify our Insurance Company.
Interstate move (NY to Calif) of bench: I purchased additional insurance coverage from moving company. Carmack Amendment applies. I live in NY. Can I sue Ins.Co in small claims in Calif for bad faith?
Insurance company's client is the mover. The mover damaged the bench. Insurance company underpay the claim and delay payment. What are the duties and obligations of the Ins. Co. to me? (since their client is the mover who did the damage) Per Ins.Co in letter to me “letter “transportation documentation, we identified a full valuation limit of $35,000.00 with no deductible covering your shipment in transit.” Claim amount $6,500. Ins. Co. offer is unreasonable $850. Can I sue the Ins. Co. in Calif (or does it have to be in NY?) for bad faith? What are my rights with the Ins. Co.?
Homeowners insurance deductible
I have allstate insurance. a tree fell on our house. our homeowners policy has $2500 dedducible, but allstate is saying it is "wind and hail" damage with a $12500 deductible. It was a tree that damaged the house, not wind! Help!
under-insuranced on property- total loss from fire
Hello, Last week, my condo apartment (rental property) burnt down in a fire and I am finding myself extremely under-insured under Liberty Mutual ($10K dwelling and $4K loss of use- property cost $189K in 2004). This is financially devastating to me as I could end up paying out $50-$100K to rebuild and for loss of use as it may take 2 years to demolish and rebuild the structure. I feel blind-sided, as I know I lowered my premium a few years ago via a brief phone conversation with a sales assistant (not my agent), but I was never informed/warned about the risk or what this would mean in a total loss. I don't recall it ever being explained to me. I specifically remember the conversation going like, '...Does $138 fit your budget? Great.' I'd like to know if there is any recourse, or if the burden of proof is on me and too difficult to prove. thank you so much, Vivian
Insurance coverage (third party fault)
I was away for 3weeks and in my absence the building management company entered my apartment to do plumbing check up (there was an issue in the tower and I live on the fifth floor). They left hot water running and I have major damage to the property as well as everything inside apartment. In addition now we have mold everywhere. It looks like the condominium association insurance applies and my homeowner insurance covers damage to my belongings. My concern is that it will not be renovated properly to the state in which it was, and i loose home value as obviously insurance is interested in doing it cheap. It's clearly the fault of the building management company hired by the association of the building - I have all evidence that it their negligence led to this situation. . Even deductible I owe to my insurance should come from them, right? How best to proceed in this case, please advise.
Soil contamination and property loss.
My mother's house was destroyed during Hurricane Sandy. We discovered that her Allstate homeowners Insurance policy was dropped two weeks before Sandy because she did not have an auto included on the policy. We have evidence that the soil was contaminated 20 prior to Hurricane Sandy, at which time the house was insured. At the moment, we cannot proceed with our buyout because we need to remediate the soil beneath the house and cannot afford to pay for it out of pocket. We need to see if we can get insurance coverage for soil remediation being that the soil was contaminated while the policy was in effect. Any assistance you can give would be greatly appreciated.
Texas has guide lines for insurance damage, how do I find it?
I've had to use a public adjuster on a insurance claim in the past with great results. My problem was a leaky shower pan, Allstate allowed $1,200. After contacting the adjusted and 2 yrs. later, we finally settled for $21,000+. This was due to a insurance code in the state of Texas that stipulated the exact amount for each part of the damage. If you would guide me to this regulation/code I'd be very great full. We have a issue at the state legislature in session right now and would like to address this issue. They meet again in two years, so now is the best time.
Fire related loss
Our home was destroyed by fire. Lightening strike took out alarm system and burned house when we were away. Total loss, or very close to one. I am so happy to have found your website. Our insurance company is Amica. They have been very helpful. So far we are not planning to hire a public adjuster. How can I find a reputable forensic estimator in Northwest Connecticut to establish a scope of loss of the dwelling? Thank you.
House Fire and Replacement Furnace Code Violation
The furnace-hot water tank installed after the fire was installed wrong. The gas vent pipe goes down hill and condensation does not go to pump. Condensation collects at base of chimney and control box underneath all water pipes and chimney where moisture builds up. both the insurance company and the plumber refuse to fix the problem. And called plumber and he says the insurance company has not called them and will not come out until called by Fingerlakes Insurance, my home owners insurance company, Tom Ball agent. I contracted Fingerlakes insurance and they said I hired them and don't pay twice, but I only gave them the name and there contractor hired them. Each time I asked them to fix, the adjuster would always say yes or no and even told code officer, "I don't have to do things to code." Thus the furnace is running water on chimney/foundation supports; house foundation.
When disputing a homeowners claim for almost a year, can the insurance company require an Examination Under Oath after almost a year putting you in an expensive position of hiring an attorney to represent you with the Examination Under Oath?
I the insured homeowner opened a claim for roof damage caused by wind and rain, along with fallen tree branches hitting a portion on the roof causing shingles to blow off into the yard. Insurance company for 6 months refused to inspect the actual damaged area saying the roof has wear and tear with no storm related damages. We filed a complaint with the Department of Insurance, and during this time had several roofing contractors do an inspection, including one from a licensed fire and flood restoration company, that stated in the report that fallen tree limbs caused a problem. But the insurance company tried to say that the contractor changed what was written in the report to sweeping tree branches caused the damages which was untrue. The claim was denied again saying the roof had a rotted problems which is untrue. The policy was cancelled and now require the EUO. What can I do now?
Do you help with health insurance issues?
I have had a tremendous amount of difficulty with Blue Shield and the billing on my account. Their 3rd party billing on my account has been egregiously incorrect for some time...since March 1st, putting me in the rears which prevents my claims from being paid out. This occurred after I was awarded a credit when they arbitrarily canceled my policy with no notification back in September 2014 (my family was unknowingly without insurance for 3 months). I have contacted the Department of Managed Health Care. They were able to elevate my case to the grievance department within Blue Shield, but my account is still showing a horrendous past due amount of over $6500...I am actually paid up (and always have been) through the end of May with nothing owed until June 1st. I've been dealing with this on my own since March 1st with absolutely NO RESOLUTION TO DATE.
replacement on contents after fire
Is your attic contents considered replacement or storage contents which would be acv?
living experiences after fire
Are you supposed to get reimbursed for going to the grocery store while eating in the hotel because we didn't have money to eat out and are you supposed to get reimbursed for laundry mate or clothes you need to purchase?
replacement on home after fire.
We have replacement on our home and contents. We purchased a repo house instead of rebuilding. Insurance company does not want to give us our remainder money because we didn't go into debt of 115,000. We paid off burnt house & was suppose to go into debt for 115,000??? We replaced a house with a house so where would we stand on this?
insurance coverage categorization
Thank you for responding to the question Eeshoo. It does not let me respond so here are the answers; It states equipment "intended" for use in a business. The equipment is stuff that can be used uin a restaurant but we have no restaurant or deli! Thats like saying if I buy sheet metal inetnded to use to build a rocket ship does not mean I have a rocket ship. zLots of banner sign displays, oven, induction stove, salad bar. But I didnt know what I was going to do with it. I simply purchased it at a great price in hopes to have a use someday. We have a health foods store. contact:darby@sydneyshealthmarket.com
filing a liabilty property claims
live in a townhouse, fire started in adjacent unit, my property insurance had lapsed. can I file a claim against the owners insurance company where the fire started .The fire impacted 4 units with mine sustaining the most damage
One year deadline after fire loss is approaching - Can't get everything done in time
My parents' home was destroyed by fire. I lived with them along with my 3 children. We turned in an inventory list of 3000 items. The list was so hard to compile that we didn't get it turned in until 6 months after the fire. We received a check for the ACV from Country Financial. Our one year deadline will be May 19, 2015. Matching receipts has been a much harder job than expected, and I'm worried we can't make the deadline. My parents are aged 79 and 85. I'm realizing that they are not willing or able to finish their part of the list. They don't seem to understand how the process works and what they're entitled to. I'm taking 2 weeks of unpaid leave from my job to try to finish, but still not sure I can get it all done. Is it too late to ask for them to waive the contents itemization requirement? We're overwhelmed and worried.
Individual disability Denial Accident vs Sickness
Are there any cases lately in Florida with accident vs illness issues decided with cut off at 65 yrs old where several treating sub-specialists with far better credentials and independence from patient who is also specialist in area of injuries all agree with INJURY, and only FT pd UNUM employed Drs - general orthopedic and General Neurosurg said not sure or don't see it as accidental injury DESPITE OVERWHELMING evidence, with witnesses, emergency surgery after fall from ladder and earlier fall had progressed to disabled state and even Sickness theory has NO UNEQUIVOCAL support by UNUM docs, was NOT claimed until 3 1/2 YEARS AFTER disability onset. 35+ yr old policy even allows sickness first manifested while policy in force and no requirement for recently of sickness they claim potentially voiding Basis of cut off. Any Orlando pro bono Disab attys interested in better than McSharry case"?
My question concerns insurance liability in the follow instance. I am a renter in a high rise building in San Diego, CA. There was an overflowed toilet in my unit. I did not have renter's insurance in effect at the time so the landlord filed a claim.
I had a guest staying with me who used the toilet while I was out of the unit and it backed up but was not flooding. I was not made aware of the leaking for approximately 20 minutes until building security informed me there was a reported leak. At which point I shut off the main valve to the toilet stopping the overflow.There were two major contributing factors to the resulting flooding: (1) Defective toilet flapper valve. The flapper valve on the toilet failed to seat properly remaining in the full open position after use. (2) Drain blockage. Toilet paper had blocked the bowl from draining. Had only one of the two contributing factors happened there would have been no flooding. I am claiming that the damage was due to a direct mechanical failure of the plumbing system. The insurance company claims I am at fault and responsible to pay for the damage. Please advise. Thank you.
Gap in what we are offered and our true replacement cost
We had a house fire two months ago and lost our home and all of our possessions. We were told that we had a replacement policy on our home, but the gap between what we have been told that we are insured for and what the true cost of replacement for our home (based on bids from reliable builders) is nearly a $100K difference. We need advice on how to communicate with the insurance company. When we ask how the amount that they are offering us was derived, they keep saying that that is what we were insured for and that they are offering us the full limits on our policy. However there is no way we can rebuild our home for that amount. Several attorneys do not want to take the case because they say it would take too much work for too little help for us and we might as well save attorney's fees for our home. Do you have any advise for us on how we should proceed? Thanks.
Homeowner insurance policy
Had insurance for over 15 years put in my first claim for damaged roof insurance paid out 3,000 and told me to find someone to fix roof,I been with insurance all these years an paying on time first claim 3000 is not enough to fix roof or labor.
Paying for O.S.H.A.
What is helpful to get an insurance adjuster to pay for OSHA line items from Xactimate? These are costs associated with each individual claim. ie: harnesses, anchor points, safety watch.
Wanting to negotiate after receiving the "undisputed" payment
In the next week, we are expecting to receive an estimate for rebuilding our home which was lost in a fire in February. Our State Farm adjuster is completing this estimate and is telling us that it will be no problem to receive additional compensation after this initial payment if it turns out that it costs more to rebuild. We are planning to build a different (smaller) house so we are worried that it will be very difficult to get State Farm to provide any further compensation. We know that we should take the State Farm estimate and have a contractor or consultant give us an estimate but our adjuster is saying that we should just wait until we are rebuilding and if things turn out to be more expensive than estimated, we can come back to State Farm for more money. Really??? Could you explain this part of the process? Do we have any leverage during the meeting with the adjuster?
Home owners policy
We had a claim for hail damage - new roof and siding. My husband was a contractor so he did the work. I told the insurance company this from the beginning and asked for instructions on how to handle things. They told me to log our hours, keep receipts and send an invoice when we're done. I followed the instructions and now they're saying I was told the wrong thing and the price from their estimate is all they'll pay. I had an estimate from the contractor we would have hired if my husband didn't have time and it was about $6000 more. I'm not sure what to do now.
Fire Loss Claim
I live in Michigan and have a homeowners policy with an "incidental farming" rider on our policy that covers liability. I own and operate a small beef farm as a sole proprietor (20 or les cattle). We recently had a fire loss of a detached garage on our property. There were two tractors and a manure spreader lost in the fire. I have been told that these items may not be covered if they were used on my farm (business). Could this be true even if I am a sole proprietor and personally own the property? Thank you for your help.
We sent my mortgage company a check that was made out to both of us along with invoices for materials we purchased to start repairing our home. now they are telling me that they want to see some work done before they release anything. we need the money to pay for what has been purchased. My mortgage company is in Arkansas and I live in texas
Hurricane Katrina
My family lost everything in Hurricane Katrina. We had homeowners insurance with AAA Auto Club Family Insurance Company. My husband and I kept getting the run around so we had to get a lawyer to help us. Now 10 years later, 3 different law firms, we lived for almost 4 years in a FEMA Trailor we still are no closer to settling our claim. We were told it is too late for the insurance company to pay our claim. Our claim was never settled - it's like it fell through the cracks. My husband is an electrician (30+years) and I'm a public school teacher (over 26 years). We're not big money people but we deserve to have our case settled a long time ago. Thanks for any help you can give us.
I have ALE and the insurance company wants me to pay $631.00 and I only been in the hotel for one week. Do I have to pay the ALE this soon? I know I have to pay something, but wow. I am consulting with you, because this disaster has changed my life.
Settlement process on government move claim
Hello, We were moved by the government back to our home of record recently and are in the midst of settling with them on several items damaged in the move. One item is a significant cultural artifact made by a well-known artist from our state. Thus piece has been broken in two and in our culture, repair to this item is impossible as it breaks the spirit and thusly, the value of the piece. We are being told that because a High Value Inventory form was not completed (it was never offered), the maximum they can give us is $1500. When I questioned them that electronics and other items cost more than that, they came back with this form issue. We contracted a museum archivist to provide historical and cultural expertise on this item and she says in her "assessment of value" that these items are irreparable and the value to be between 20-35K. They want to settle for 4K which I wrote in form.
Recorded Statement
I provided the lease agreement and the copy of the checks that we paid rent to my adjuster, now he is asking me to record my statment about the owner of the property that we rented, the address, agent! I am not comfortable. I rented my aunt's condo because she was out of country and she let us use her furnished home. But I did not tell them this home is from my relative, now they are asking who is the owner of the house, and want me to give them the recorded statment. If I deny the recording what happened? Is this against the law that we rent from a relative? My husband is the beneficiary of my aunt? But she is well and alive, does this make a difference ? I don't believe we did something wrong, but he is saying if we don't give recorded statment they may open investigation. Please let us know what is our rights, and what should we do the date of the loss so 10/18/14.
Homeowners insurance cancellation
State Farm ins. has cancelled my homeowners policy effective Apr. 5 2015 because I bothered them with 2 claims last year. I have a townehome and share two common wall, on Sep. 30 2014 one next door neighbor had a connection to his kitchen faucet come loose in the middle of the night flooding his place mine and our other next door neighbor. Then 6 weeks later on Nov. 19 2014 my other neighbor on my other side had almost the same problem but this time it was caused by the contractors restoring his home. None of these incidents occurred in my home but State Farm and I was the victim both times and know I am being further victimized by State Farm by labeling me negligent. I have called around and nobody will insure me I have talked to two insurance brokers and one has failed to called back after taking all my information and am still waiting for information from the second broker. NEED HELP!
Kitchen fire claim not yet paid and can't live in house
Kitchen fire claim was low-balled 20% value by adjustor. Builder bids were all 6 figures and then they allowed only 50% value for funds applicable, but contradicted the adjuster appraisals that they used. Builder bids and contracts were not considered Arbitration not carried out Claim is almost 1 year old and paid 40% to date How do I Submit Supplement demand for good faith payment for fair settlement?
ALE. Verification
Would it be possible to get something official to show my adjuster pertaining to receiving mileage for going to look at modular home builders and added expense of winterizing our pressure tank at our fire damaged house so our farm animals could still get water over the winter when the house was no langer heated. I asked about this mileage and he said it was more of a fact finding trip and did not qualify. We live in Iowa and he said we could get mileage for additional mileage for trips to school, but before I present it I would like to know what the rate should be so I am ready. Our fire was jan 15. Thank you for any guidance you can give me.
House destroyed in fire, insurance offer is way below replacement bid. We don't have a public adjuster in AK that I know of.
Who can help us advocate for a fair settlement in our state? Alaska? We are in Fairbanks.
black mold due to leak in kitchen
We tried to replace our kitchen floor today. We had no idea we had a leak from our washing machine. There is black mold something awful. My husband has nonsmokers COPD. I have Multiple Sclerosis. Our kitchen can't be used. We own our home. Have for 13 years. Allstate insurance. Filed 2 claims. One a busted water heater that flooded a room downstairs. One for a roof and porch screens from tornado damage 8 years ago. My husband is afraid they'll drop us if we turn this in. I'm afraid for his health. We can't cook. I don't know the rules about what would cause cancellation. Our house is small. No way to get away from the mold smell. Any advice is appreciated. Thank you. Sincerely, Kelly Fisher
Home inventory after water damage
I am ready to fill out an inventory loss form from my insurance company in regard to inventory contents that was damaged by water leaking onto the contents due to a bathroom plumbing/toilet malfunction. Cannot describe/see eveything as very water damaged. Do I need to describe each item accurately if it is so water damaged that I cannot identify some items and can the ins. co. give me one lump some instead of itemizing each item, especially those almost beyond listing due to the water damage? Also, ins. adjuster did mention that ins. co. may forgo some of my deductible i must pay if some of the parts replaced by the plumber such a flange could be defective. How can I prove they are defective? I did save the old parts that were replaced.
Small house fire
We had a small chimney fire. This is the first time I've ever had to file a clam, or have had a house fire. I'm just trying to protect my self from the insurance company and just want the job to be done correctly. What I'm asking is what are the steps? There must be some,all anyone I've asked was call the insurance company. OK then what to protect my self. The insurance clams/adjuster(I'm not sure) will be out Friday. How much of can I clean up? Ive been told don't touch anything. We the wife and I, are still living in the home. Very little water and smoke damage, but what do I really know. Any advice on the steps would be greatly appreciated.
Homeowner Insurance Claim
Hello, We had a water damage in our house in Merrick (Long Island), New York on 12.23.2014 and we finally received an offer from the insurance company but we are totally overwhelmed with all the paper. My insurance company is Tower Group and we heard only horrible stories and truthfully they treated us really poorly and gave false information. Can you please advice me who I could contact to look over the paper in the New York- Long Island area and pay that advisor by the hourly rate. I contacted a couple of public adjuster to see if they could walk me through - one that he is not interested and the other said he will charge a 5 percent of the total claim and he would fight for more money. At this point we a willing to settle to get the house back in order which is unliveable at the moment. Thank you for your time and I look forward to hearing from you. Sincerely, Iris & Pat
lender payoff
I'm confused about whether/how to payoff our loan after a complete home loss in the Feb 6, 2015 Round Fire in CA. The lender's Loss Center has not been able to provide an answer on this question, apparently in part because we don't have an Actual Cash Value estimate on the home yet from the insurance co. (we do have extended replacement). We do have a payoff check from the insurance co. made out to my wife, the lender, and me, but we are still holding it. We're still making house payments, and we will probably rebuild. Shouldn't the lender be demanding this check (~60% of home equity) as we no longer have the house as collateral? I've been surprised and confused about lack of demand/guidance from the lender. It sounds as if it is better to maintain the mortgage if possible rather than paying off the existing mortgate and getting a contsruction loan, but I'm unclear on this.
House in forclosure, bank held insurance, 100% loss in fire. What are my rights?
My house was in forclosure due to a divorce, I was negotiating a Deed in Leiu of forclosure, but last week it burned to the ground. 100% loss of structure and contents. My personal belongings were not covered, only the house. The house was vacant but not empty. I owe about $130K, the bank insured it for 380K. What should I expect will happen? will my debt be paid to the bank? Will I still own the land?
Mold under Kitchen Cabinet and Cabinet repair-Taking over 8 months
I had a leak under my kitchen sink which caused mold growth. It was mitigated right away. However, it has taken 8 months to replace the cabinets. The cabinets finally came in and they were not put in right, they are not the right color and the doors were damaged. I put in a call to my insurance company and they were supposed to set up their adjuster and the company to come back out to look at it to assess. That was two weeks ago. They were supposed to call to set up an appointment and have not. I had another contractor out since to look at what these people did and he said it was terribly put it. What are my rights? Do I have to pay? Do I need to start looking for a lawyer...they just keep passing me off.
unfair claim handling
an insurance claim I have ongoing with the company I have my house insured with its been ongoing now since last October and I just think they are treating me so unfair am still sitting the same way I was the day I put the claim in,
large loss CSAA fire california
I read that State Farm was cited for 78 violations on personal property inventory depreciation. CSAA was also named. Can a person get the specific detail on CSAA? We are in a claim with them. They used CIS. We have to do our personal inventory. It is a daunting task. Do people every ask for a lump sum. thankyou
tree removal large loss fire AAA insurer
We had 8 scorched trees on the property (dead or dying). AAA gave us 500 per tree the total of 4000. We had the trees taken down. The cost was 4800 and we paid additionally. The trees are going to be hauled away by someone who wants the trees. The roots are still there near the previous foundation. We got an estimate of 2000 for the excavator to remove the roots. We asked AAA if this could be provided to us because the work is related to prepping the property for building. You cannot have a root next to the foundation. We feel it is work necessary before you put in foundation. This is an excellent price for excavator to out the roots. Many of the roots are 3 feet in diameter. What is AAA responsibility. They are saying it is restoring the land and they are not responsible. THank you
Dispute - Change from full replacement to ACV
Hello, My rental property was recently damaged by a hail storm and according to my agent (Allstate) I only have ACV (actual cash value) coverage. Apparently when I switched the policy from residential to a landlord policy they dropped (and don't offer) full replacement. When I switched to the new policy no one communicated to me that it was less coverage and I certainly didn't expect less coverage given that the policy premium went up. Do you think I have an argument for them to cover the full replacement cost? The house has a very expensive clay tile roof and their claim doesn't even cover half the cost once they take out depreciation. Thanks for your time.
Can I keep savings from Primary Dwelling Damage Statement payments?
I am in San Diego, California. An SUV was driven into the the roof of my house destroying a portion of the roof and two walls. A contractor, recommended by the insurance adjuster, has submitted a Scope of Work estimate, created from Xactimate. The Scope of Work was accepted by my insurance claims rep and I have received checks covering the amount of the Scope of Work estimate, less depreciation and deductable, to be recovered later. Reviewing the Scope of Work I find three items that are way over the actual cost to repair. If I get the contractor to reduce the price for these items, would I have to return the savings to the insurance company?
Large Homeowners Insurance Claim & Depreciation Release
Hi, We had extensive water damage in Dec 2013 due to a frozen sprinkler system. Insurance estimate stood at $30 - 40K, a fraction of the $210K estimate from our contractor for 6 months. After 4 property inspections we threated to hire an attorney after which they suddenly approved the estimate from our contractor in full. Later they verbally agreed to a hotel stay when our lease was terminated but declined payment once the bills were submitted (totaling to ~$3.5K!). Now they have heavily depreciated our relatively new personal contents. A Dacor wall oven and microwave, which were in excellent shape, are depreciated at 60%, all the tax is withheld, installation/ delivery charges are not paid. Basically the ACV for a $5.5K was $1.6K! On submitting the invoice they still wont pay until it's installed 2 months later as we will be traveling. I am furious after 1.5 yrs of haggle. Help please!
earthquake insurance and auto insurance
I have basic earthquake insurance for both my primary residence and my rental. The policy deductible is 57k and the value is 640k. Afterwards, I would have 380k for dwelling, 5k for personal property, 1.5k for loss of use, and other building code upgrades 20k. The amount is 147.00. I know that is inexpensive, but I always hear that it is not really worth it to have this insurance. On the vehicle, my agent just talked me into increasing my bodily injury limits on each person 250k and each accident 500k. It just sounds like they are always trying to get more money out of me. I am about to look around and compare costs now to change companies entirely. I have State Farm right now. My question on this, is just, what do you recommend on amounts for bodily injury limits please? Thank you so much!
stolen personal property
Hello, My house got burglarized and took my safe with about $ 50,000. worth of Jewelry and collectible coins. According to my insurance per my policy I can only recover $3900.00 of it. Is there any exceptions or language on my policy that I can recover more. I need help. please email me back Thank you.
Claim assistance after fire - Contents lists and valuation
18 months after the Black Forest fire (total loss) I have submitted my first pass at our contents list. I have received extensions to this point and now have until July, 2015. We were paid 60% of our total contents coverage upfront - no list. We submitted a list of nearly 1000 lines in Excel with the best valuations that we could. Farmers devalued and depreciated that down by a whopping 60%. I travel constantly for a living and time is a problem (as well as expertise). It seems obvious to me that I am not doing this well, therefore I *think* I need to pursue professional help with this part of my claim. I see that there are "sponsors" that do this sort of work - but UP apparently does not do recommendations. How should I go about selecting a professional company/individual to help us with this part of our claim? Thanks.
Length of time I have to rebuild or purchase a new property
My home was destroyed in a wildfire and my insurance adjuster is telling me I only have one year to rebuild or purchase a new home from the time I receive the advance in order to get the extended replacement cost. Is it true I only have one year? This seems like an unreasonable time limit.
Approximate cost, please(??) for purchase & installation of all new plumbing and electrical for my standard 2,200 sf house.
After a fire, the interior of my home has been torn down to bare studs. I can't seem to get a contractor to quote the cost for purchase & installation of all new plumbing and electrical for my standard, 2,200 sf house. Please??
how to best complete my contents list?
CIS content inventory services
Fire large loss was October 2, 2014. AAA. They hired outside company CIS to do inventory. They put everything in a pile and then sent me a letter with the total of 3600. Our declaration is about 95,000. They said we have the option of filling out the rest and they will review. How long can I keep them waiting. The owner of CIS just sent me a note. We asked both the claims adjuster and the owner of CIS to give me some time. How long do I have to turn in the personal inventory list. It is an overwhelming task and I am tempted just to make a cash proposal. IS THAT DONE. How much time do I have on personal property and on a claim in california.
Loss of Use for vacation second home
We are covered in the declaration page for 76,000 for vacation loss of use. Our home that burned down is a second home meaning we go there for vacation time. I estimate 71 times a year. Down the street there is a bed & breakfast charging 185-205 not including taxes. The insurance company lets us use vacation loss use on an incurred basis. I have asked for lump sum. I do not know how to figure 71 times per year to come up with a fair figure. What if it takes us longer then a year to settle the claim. I want to be fair in my proposal. They are reviewing my offer of 16,000 which is low compared to 75,000 but their response is way too low like 4000. I do not know what to counter.
What can I do if the insurance company makes a partial payment for repairs due to fire damage to restore my house to its pre-loss condition?
I had a house fire the fire was contained on the first floor however the smoke smell and soot damage affected every room. The insurance company has sent a restoration company to clean the walls in the upstairs area however there is still evidence that the walls, ceiling fans, doors, are streaked due to cleaning the soot. The bathroom fans and room registers still have smoke smell. I have expressed to the adjuster that all the walls in the entire house should be painted to contain the soot and prevent the smoke smell from returning. However the adjuster feels it in not necessary to paint the walls due the semi-gloss paint I currently have on the walls. They refuse to replace ceiling fans in the master bedroom and office both has noticeable yellow stain. The bathroom fans and room registers still have strong smoke odor. How do I convey these items need to be cleaned or replace?
recorded telephone statement/ interview
hello. my policy with fireman's has a clause requiring me to submit to an EUO but nothing about a recorded phone interview [with an sui investigator] they want me to have. despite the clear language in the contract, a supervisor said 'a recorded statement is included in the requirement to have an EUO'. the strange thing is that they have paid about 75% of the claim already and there is less than $9000 of the claim left. my adjuster left the company 3 weeks ago and no adjuster contacted me. instead, the siu investigator keeps insisting on a recorded phone conversation. i have reached out to a supervisor but , as written above, he too keeps insisting on a recorded statement. they have not sent me a written proof of loss form . my sixth sense tells me something is wrong but i have been dead straight with them . i am uncomfortable---can i decline to do so?
Total loss due to fire
My wife and I had a house fire in september 2013 that was a total loss. My insurance company was/is been very good to us during this whole process. I am still turning in receipts to recover depreciation on contents and have not met my limits. The fire was caused by a laptop and Toshiba sent their inverstigators out a few weeks after the fire. As far as I know they determined that is what caused the fire because my rates did not go up and my insurance agent said it wasn't showing on my "insurance credit report". I went with the same company considering I think they have been very fair during the whole process. My question is: Should I go after to Toshiba for depreciation lost that I haven't recovered and also lost time from work, deductibles, and hospital bills(we were in the house asleep when it happened)? I really appreciate any advice. Thanks
After a fire loss can insurance company non-renew all coverages at time of policy expiration date. Per the insurance code it states that liability coverage cannot be removed while a claim is still open. Not clear about this provision of the code. Fire claim is still open and we received a NON_RENEWAL letter for all provisions of the policy. Is it legal for insurance company to non-renew policy in middle of a claim? Or must they still provide liability coverage while the claim is still open ?
demolition and debris removal
I have an additional 10% written into my homeowner's insurance policy for debris removal and an additional 10% of policy limits for demolition of my home. The adjuster is telling me that they can only include it in my settlement offer if I exceed my policy limits. I am also told that the code upgrades can only be included once the city has inspected the property. My house was built in 1926, the fire occurred Aug 29, 14. I have a public adjuster and I am not sure if the information he is giving me is correct. I have 100 Replacement cost policy with and additional 50% for coverage Dwelling, Content and ALE. I am also told by my adjuster (the one that works for me) that they can not replaced the plaster in my home with plaster but they have to use blue board. I do understand that my policy is a replacement cost policy with "like kind and like quantity. Help I am my wits end
ALE if I decide to relocate
After our house was destroyed my family an I decided to move back to Nashville, to resume my career in the music industry. Our insurance adjuster claims they will not be responsible for any additional living expenses if we don't intend to occupy the home. However, we are in a situation where we cannot rent out the house or put the house on the market for at least 6 months. Would we at least be due fair rental value? Without some sort of reimbursement we are stuck in Arizona, as we cannot afford to pay rent elsewhere while still being responsible for our mortgage.
Estimate Price List Code Translation
The insurance adjuster's estimate for property damage as a result of the Aug. 2014 South Napa Earthquake specifies a "price list" as CAEB8X_NOV14. I surmise it is a California list for Nov. 2014 (the estimate is dated 12/17/2014). My question is: what does EB8X mean? The UP article on understanding estimates indicates this should be a geographical area (e.g., an SD designation means San Diego). EB might mean East Bay region of San Francisco, I guess -- except that no one considers Napa to be East Bay. And what does 8X mean? The estimate I have received is riddled with errors and omissions and totals less than 1/2 of the bid amount a reputable local contractor his given me for repairs. I am trying to figure out what could be causing the discrepancy (in addition to the obvious errors and omissions related to specific damage). Thank you for your help.
Homeowners insurance
In Louisiana if over 75 percent of your house in burnt is the insurance suppose to total the home? If the contents person for the insurance company came out to look to see in the contents were totaled he told me contents were totaled also are they supposed to cut me a check for the total amount I have for my contents I am disabled and hired a public adjuster he took over 1,000 pictures and came up with 145,000 the insurance company sent us a check for $43,000 they said they came up with 90,000 total and when I purchase 47,000 worth of contents they will sent the other portion of the contents check I have rcv on everything Thanks
large fire loss Oct. 2 now - non-renewal letter AAA will not renew because of negligence
Two weeks after our claim (Oct 2nd fire) claims adjuster asked us to just keep liability. Seemed fast. We called local insurance office as there was another structure on property that did not burn. They advised keep insurance declaration in effect. AAA has sent us a letter of non-renewal. We are in the middle of a claim and have no intention of closing this claim. Demolition of burnt home is scheduled for February 17. Can they do this? We have not decided yet to rebuild. We may try to build somewhere else. ALSO NEED please give us information on rebuilding on another lot in CA. Can AAA ethically do a non-renewal on this claim? We must have some insurance if we build there or anywhere. It seems unethical and dishonest but perhaps it is legal. PLEASE ADVISE THANK YOU
Obtaining renter's insurance- I am being denied after they took my money...
Is there not some legal recourse- do I not have some rights regarding the following scenario? My renter's insurance coverage in Texas is being canceled after one year because of a (unrelated) catastrophe claim I had for a home I own in Georgia (many thousands of homes affected- weather freeze/pipes burst, etc.). In the meantime, I have been shopping around for several weeks in order to obtain new coverage with another company before the cancellation date of my existing policy. I thought I had found a company- I asked them to send me the policy first before I signed and paid; they refused. They made me pay, then the underwriters denied me coverage immediately. Do I not have a right to determine BEFORE I pay whether or not the company will give me coverage/underwrite my policy? Do I not have a right to coverage under the law? Most companies have denied me. NOT RIGHT. PLEASE HELP.
General Liability Insurance
I am starting a small mobile tire service business and I'm having a hard time finding the right coverage to start with. Example: Do I have enough coverage? Am I paying to much for my coverage.
Do I have to use the contractor that provided the repair estimate to my insurance company?
We had some water damage from a toilet that over-flowed. It made it to our living room and buckled our wood floors. We hired a restoration company to do the demo and dry-out. My agreement with them was for the demo and dry-out only (but they wanted me to sign a contract for them to do the restoration as well, which I did not sign). They then came back and provided an estimate for the restoration. They have been very aggressive at inserting themselves into the process. Specifically they came back when the adjuster was on-site. They also submitted their demo/dry-out bill directly to the desk adjuster. Am I required to use this contractor for the repairs? Do I need to tell the insurance company what contractor I'm using before they pay me? Will it change the amount they pay me if I do choose to use someone else? If I can repair for a cheaper price can I keep the difference?
Recoverable depreciation vs. non recoverable depreciation
My policy states in "special conditions" the words: actual cash value, however, when the list of work to be done was submitted to my Hail restoration company there was no indication of such, so the roofer bid the job thinking that depreciation would be released at time of completion. The adjuster informed me that depreciation would be released, however the underwriter, after a period of 5 months finally answered his phone indicating that no depreciation in the amount of 2000.00 was to be released, and after 2 months of waiting for a skylight supplement finally sent that out, but for 6 weeks did not return any calls regarding the skylights. i need help with this... what do i do?
Can we ask our insurance company for a different adjuster? Current one wants to go straight to EUO
We have been working with this adjuster on our personal property loss claim. She told us directly that because she suspected the lost property might be for business she wanted to go straight to EUO. We tried in vain to persuade her to do a recorded statement with us (and we will be willing to provide all docs including tax return) before she decides if EUO is needed. We don't want to do EUO without an attorney but it makes no sense to spend on attorney fees for a small case like ours. We do not plan on lying about or hiding anything but it feels like we are treated as cheaters and by going straight to EUO, the adjuster was forcing us to walk away. Any advice how to proceed? I will try to talk to the adjuster's manager tomorrow but if again our request is declined, can we ask our insurance company for a different adjuster?
Long term care insurance AIG is the company
Is there anything that can be done when your policy premiums are too high for you to continue paying but you have invested 15 years in the policy? Class actions? Partial premiums returned? Any suggestions at all. Thanks
Home insurance claim and making home modifications
We had a fire at our home that resulted in significant damage. Are we required to use the funds provided by our home insurance company to rebuild our house exactly as it was previously? For example, could we use the money allocated to rebuilding our sunroom and refinishing our basement to instead add a bathroom and a bedroom? Do we need to notify our insurance company that we plan to do this?
homeowners insurance cancellation from State Farm Insurance
HELP!! I own a townehome and a next door neighbor had a flooding issue the end of Sep. 30th I had to file a claim, about 6 weeks later my neighbor on the other side also had a flooding issue caused by contractors restoring his home. I had to file claim #2. I just got a non renewable letter from State Farm because I am uninsurable. I have been the victim since day one and now I am being further victimized by the insurance company. I should also add that the payment they gave me to restore my home is way below contractors estimates. I am physically and mentally worn out and in distress because I am a victim and being treated like I purposely caused the flooding and damage. I need advice as to my legal rights, can I sue them and how to proceed to get them to reverse their decision because if this stands nobody will want to insure me. Thanks
Renting to someone in a 5th wheel trailer/ Insurance
I found insurance to cover me for liability, for 2 mobile home tenants on my rural property. Given that 5th wheel parking is a grey area (that is in regulatory flux) in our county, is it conceivable that the policy has something burred in its exclusions that would deny me coverage if county rules eventually forbid or discourage 5th wheel renters?
Using the AAA insurance recommendation to use CIS Contents Inventory Services.
Hello Sir/ Madam, We feel like our insurance company is giving us the run around. We lost our home to a fire January 15th we were told that AAA will pay for CIS Contents Inventory Services to do an inventory of our belongs. Should we use them or do it ourselves? We were also told this would not be taken out of any of our coverages but was a courtesy by AAA. Please advise. Thank you.
Insurance claim on a stolen vessel
I'm really glad I came across this website because my husband and I are pulling our hairs with frustration. Our boat was stolen from our home about 3 weeks ago. We have been cooperating with insurance investigation. We didn't however give them authorization as they had requested to get our credit checks, bank information (ledgers,canceled checks, statements etc) and telephone billing information. Ive been trying to do research of my own and I feel like this information has nothing to do with our boat being stolen. Not to mention that we have given them a recorded statement about our credit, income and finances. However now I received a "reservation of rights" letter on their behalf. They insist I'm required to give them my personal information...... I need help.
Disability Insurance Carrier's request for Education, Training and Experience sent to me
I would like to know if it is legal for the Insurance Carrier "The Standard" for my employer provided long term disability policy to continue to solicit Education, Training and Experience information from me. I have been declared disabled by Social Security Disability as a result of a stroke I suffered and previously purchased this private disability insurance through my former employer. They approved my claim and have been paying me under terms of the policy. But they continue to solicit this information as if they will try to justify discontinuance of my claim because they feel I can pursue work in a field different than I was employed in when I became disabled. They have not stated this but I fear that this is what they're pursuing.
EUO--we have a personal property loss claim of $14000 (stolen cameras due to a car break-in) and the adjuster from insurance company insisted on doing a EUO without taking a recorded statement cauz they suspected the cameras are for business use
My questions are: 1. Is it normal for an adjuster to skip recorded statement and go straight to EUO? 2. Some of our stolen items had write-offs in our tax return and some not. Can we tell the adjuster that? We only expected to get compensated for the ones that were not written off and the total value of that portion is around $4000. It makes no sense to us that we had to hire an attorney to go through EUO for $4000. 3. We tried to persuade our adjuster to do a recorded statement first and after that they can evaluate whether an EUO is at all needed. Of course, we will tell no lie during the recorded statement and provide all docs necessary. But she rejected this idea and is adamant about doing EUO. What should we do under this circumstances? 4. Is it within our rights to ask the insurance company for a different adjuster? What will happen then? Thank you for your help!
State Farm is using Act of God to deny my claim. State Farm cite's Black's law definition of act of God. What is force majeure? If there was no weather event that caused my neighbor's tree limb to fall on my property, how can State Farm deny payment of co
My neighbor's large tree limb broke off and fell into my yard destroying my pool equipment and storage box. My neighbor would not respond to my requests to pay to replace and repair such. I ended up taking them to small claims court. A lawyer for State Farm denies liability citing Act of God as defined by Black's law dictionary. If there was no weather event, how can State Farm claim Act of God to deny coverage?
Hail damage roof being denied and while the process of third party verification is still going on by the Insurance company, we get a certified letter to replace our roof or they will drop us.
We closed on our house on May 16th 2014 and a severe hail storm occurred in our neighborhood on May 23rd. We were still in the process of moving. In July, we noticed roofs o several homes in our neighborhood were being replaced. We got 2 separate reputable roofing companies to look at it, both of them said we had similar damage as the other houses being fixed. We filed a claim. Our adjuster came and denied our claim based on a 'veritas' report that this area had no storm since 2012. We provided all the documentation- reports of hail, pictures, video and dates on the claims of other houses. Then the Insurance company told us to get third party inspection done from one of their companies. The inspector came on Jan 22nd 2015 and performed the inspection; his report is still due; BUT today we got a certified letter from them dated Jan 20th asking us to replace our roof or they will drop us!
roof replacement - mold
My ceiling started leaking. The plaster cracked off and there was a lot of mold underneath. The roof continues to leak. I went up on the roof and discovered my roof has roof rot and is about to cave in. Is this something that insurance would typically cover?
Hello You suggested last week I look at your SURVIVOR TIPS. It really wasn't evident where to find it. By the way... GOOD JOB on the new website design! I know it must have been difficult and I hope you are pleased with the results. Much to do.... bye for now!
Insurance company is moving y equipment from being covered under building to personal property after my claim. How can they just change where things are covered under my policy after Claim Determining whether huge machinery/equipment is part of building
I have a huge price of machinery which is was installed in my building with the intent of never it leaving it is hooked to building electrical, building water supply, and also building air! I installed wheels under the machine before i took the machine off the trailer I hauled it on. When I picked it up from the manufacturer that built the machine! It had to be set on the trailer with two huge forklifts and it would have been absolutely impossible to move it to the predetermined and pre constructed designated spot that was built to accommodate this machine! I jackhammers floor and installed big floor drain for waster to drain into that the machine uses! This machine was covered under my commercial building policy as being part of the building!! Now I had a fire 3 months ago and my insurance company wants to move the machine to my personal property coverage and remove it from buildin
personal property loss
My car was broken into and my camera equipments were stolen. I have police report and complete proof of loss. My claim is $14,000 and my home owner insurance can cover up to $30,000 personal property loss in situations like this. I haven't done the recorded statement yet but my insurance company want to go straight to an examination under oath because they suspected my camera equipments are business rather than personal property. I am also asked to provide tax return as well as other financial docs. My questions: 1. Does the insurance company have the right to force me to provide my tax return docs? 2. I have a full time job but I do take some photography work on the side. How is a camera defined business or personal property? 3. In case like this, can I still get partially compensated for my loss? 4. if I tell the truth, do I need an attorney when doing exam under oath?
Depreciation on camera
How does the number of years something typically depreciates correlate to the depreciation percentage for that item? In other words, if a camera depreciates in 20 years, what depreciation percentage should be appropriate for my 5 year old camera?
How is period of restoration determined? My insurance company is sending me a check for the undisputed amount of my water damage claim and stating the restoration period starts. I don't agree with their calculation and worried its not sufficient for loss
I don't agree with my insurance company's calculation for ACV based on depreciation and some of their taxes on materials as part of the "undisputed" amount. I've not been able to come to any agreement and we are entering into appraisal. For the undisputed amount, I know the carrier wants me to take the check because they don't want to prolong the restoration period. I don't either but I also don't want to waive any rights and I'm concerned about starting restoration without knowing my final budget. How is the end of the restoration period determined? Can this be determined through appraisal?
A car hit our home. Do we pursue a claim with our homeowners insurance, or the driver's insurance? They accept full liability.
The teenage driver was speeding and instead of hitting the break when he lost control, hit the gas. He destroyed landscaping, a fence post, and crashed into our entry way, damaging the porch rail, two walls, a window, and double front doors. I have been trying to work through our homeowner's policy with State Farm, but the service has been awful, and their adjuster's replacement cost value is $15,000 lower than our contractor's estimate. I then switched to working with AllState, but they want us to accept whatever estimate American Technologies, a restoration contractor with mixed online reviews gives, and once they come up with an amount, there is no recourse. There is a chance of structural damage, so it concerns me that we couldn't come back to them with additional cost. Anyone have any advice for how I should proceed?
insurer error in contents coverage limit
Contents adjuster did a quick claim and payment, saying I was grossly underinsured and it was clearly a maxed-out claim. I was not asked to itemize. I later found she had erred in my coverage limit by $30K+. She verified that her data was wrong, my declarations page was correct, and said via email that she would adjust the claim and send me a check for the remainder. When I followed up about payment a few weeks later, she said that she couldn't adjust the claim and I would have to itemize to get the $30K+ ... even though it is 4 months after my loss! She then increased the payment to the debris removal company (up to an additional 5% when a claim is maxed out) as if I had been paid my full $100K in coverage (which would seem to indicate the validity of a $100K claim). Can I be forced to itemize to get a payout for the remaining coverage? How should I proceed? THANKS!
I am a disaster case manager working with a client whose home was damaged in Hurricane Sandy. Client has two questions about her Homeowner's Insurance Claim and Proof of Loss
1. Client would like to know if an independent insurance adjuster can deny a claim (submitted prior to the insurance claim filing deadline) for not signing a proof of loss because they are working on an addendum to the inventory list. 2. Client wants to also know if she signs the proof of loss, can she then file an addendum to the inventory or should she hold off signing the proof of loss until submitting the revised inventory?
Insurance estimate is quite low
Insurance is constantly paying less and no contractor is willing to do the job. I need some names of General Contractor who can write up an estimate, negotiate with the insurance and will not be adulterated by insurance undercut the scope of the Job to meet their profit.
non renewal following a claim
Dwelling destroyed. Still settling. Policy term ending. Do not wish to remain with the company for insurance on a replacement dwelling.
sample letters
Where can I find a sample letter to insurance company after claim has been submitted and denied.
Working with City officials and insurance company after a major sewer backup occurred in our basement
Our basement was flooded by the City of Golden's main sewer line (not the lateral line from our house) due to a blockage up the street (as I understand from a bigger sewer line). The City is claiming governmental immunity and as a "courtesy" they will pay $2,000 for cleanup. The cleanup is estimated at $10,000 (that does not include, construction, replacement of furnace, water heater, washer/dryer, etc, or personal items). Our insurance is paying for $10,000 which can only go towards cleanup, restorations, construction, and replacement of water heater, furnace, washer/dryer (no personal items). All in all, we will be well over the $12,000 that we will be receiving. Is there anything more that we can do? Go to the City for negligence since they knew the water main in front of our house is smaller than other lines?
Cleaning smoke and soot between the brick and plywood sheathing is NOT required IF they seal the interior side of the wood framing with shellac...?
PA said a restor. pol means ins. req'd to restore house to prefire cond, & we must clean out all soot & odors in dead-air-space behind the brick. To clean it from inside is impossible, so from outside they have to remove all brick to access the area. They would destroy exterior sheathing of wood framing IF they break thru from the inside of wall to access space just behind brick, & that would impair the structure of walls & no way to re-attach brick. Yet, surprise Estimator sent by PA said NO! "Contaminants remain in dead-air-space & interior cavity of walls (on the opposite side of sheathing) will be cleaned & then sealed w/ shellac to hold out odors from migrating- Insurer only repairs what is damaged!" But Shellac is design change & req B Code approvals?
Window damage
My home had smoke damage from the wildfire and now my insurance company wants an explanation as to why the whole window needs to be replaced and not just the glass. How do I respond?
Mortgage company not releasing funds
In Virginia, can a mortgage company hold back funds to repair a fire damaged house when the funds they are holding are over the amount of the mortgage? I know in some states they can not, but I can't find any information for Virginia. Thank you.
Insurance claim - what I can get compensated for?
I had a leak in my kitchen which resulted to black mold (was there prior to me buying this house). I filed a claim w/the insurance they had a restoration company come out & take care of it, now in the process of trying to get my kitchen put back together! they took out a portion of my cabinets but my house is from 1985 & because we had just got done refinishing our kitchen 1 month prior to this loss, it's to hard to find the same style of cabinets and that were not painted eight times! so I am trying to get them to replace everything & I'm even okay with replacing the bottom cabinets & then just re-facing the doors up top so that it all still looks fairly the same but of course that is out of my pocket and I don't want it to be because I didn't ask for this to happen in the first place, how can I approach this in getting fixed with little to no money out of my pocket
auto insurance claims
My car was hit parked in front of my house legally insured and registered. Farmers insurance is who I' m dealing with and they are only offering me 800 dollars for my cars worth. this is no where near the price of the car.need help please...
Is it an insurance fraud to authorize a lab test without diagnosing a patient first?
Hello, I have a question regarding online direct-to-consumer lab test companies. A consumer wants a certain test, and wants to bill the insurance. Is it an insurance fraud for a physician to authorize a lab test without diagnosing a patient first?
large loss fire peril total loss
Insurance company got an appraisal. The first appraisal cost @1300 and insurance company paid for it from our proceeds. They did not give me a chance to choose anyone and began the proceeds very quickly. My claims adjusters and her boss were emphatic to me and gave the impression I did not have a choice in the matter. They did this also with replacement cost estimate. Can I get another appraisal. Can I get another replacement cost estimate. Will they pay for this appraisal if I request it. I see now after 60 days this is AAA's way of exerting control. I see now that when they make the choices I cannot talk to the people. They are programmed to say talk to insurance. We should be able to pick our own people. IN BRIEF: Can we submit for a new claims adjuster. Can we get another replacement cost estimate and also another appraisal. Will they pay for it.
loss of use for my vacation home (second home) declaration state ($79,500)
Fire loss October 2, 2014 El Dorado County, Somerset (Large Loss) On a second home what are we allowed? We estimate that we use this vacation home about 74 nights per year. Claims adjuster wrote we can stay in a hotel. They gave us no specifics. It is very hard to know what we can and cannot do. Is the loss of use only paid out on an incurred basis. We wanted to just ask for a lump sum at a conservative rate of $20,300.00. Does it have to be on an incurred basis and do we just submit hotel expenses when we go somewhere. They do not explain it. We ask local office also.
General Contractor O&P
My insurance company will reimburse 20% O&P expense to a licensed General Contractor to coordinate, subcontract, and oversee the various trades required to repair my home from a recent hail storm. Approx 5-6 different trades will be required. Although I am not a licensed General Contractor, I am an engineer with past experience in residential construction and rehabilitation, and extensive experience in Project Management. Am I entitled to receive the same fee as the Licensed General Contractor if I instead do all of the coordinating, oversight, and subcontracting? The Insurance Company has no objection to me doing this work, however, when considering all of the leg-work required, including insurance co. and mortgage co. coordination, not to mention advancing personal funds for materials, I would expect to receive the same GCOP. Thank you Ron
Loss of Use (ALE) limits in homeowners policy
Am I entitled to use the total amount of money in homeowners policy under Loss of Use for ALE expenses when there is no time limit stipulated in the policy? The policy states "Payment under will be for the shortest time required to repair or replace the damage...or shortest time required for your household to settle elsewhere." My house was a total loss.
claim on commercial building which was destroyed by fire.
Can anyone tell me about the relationship between ACV and Replacement and coinsurance and my claim? i am dealing with a commercial building which is a total loss and the dec page states a limit of liabiltiy with acv and coinsurance of 80%.
life insurance benefits
My brother has been deceased for 14 years and has a life insurance policy in effect. The insurance company asked me to fax them the death certificate and copy of obituary approximately 15 days later they send a letter naming a beneficiary who has our last name but the first name is not anyone we know in relation to our family, they are telling me that this person passed away after my brother passed away and they will pay the cost of this persons funeral and any remaining benefits to their survivors, I sent a notarized letter telling them there is no such person related to my brother or our family and they are still requesting me to get them information I don't know how to proceed with them at this point, any advice would be appreciated.
How best compare master policy quotes for condo association? Have proposal for guraranteed replacement from SPFM but don't know company and sounds too good to be true; can't find any reviews. Comparing their proposal w Allstate and Travelers..help!
We are a small HOA in a 104 year old 3-flat building in San Francisco and we understand that our options are limited. We've had a master policy with Travelers for years but looking at other options since premiums keep rising. Current broker offered us cheaper policy with Allstate but price seems too good to be true and consumer reviews of the company make us wary. Another broker is offering guaranteed replacement through company called Specialty Programs & Facilities Managers. Sounds good but can't find any info about this company and would appreciate any info or insights from experts about them. Also seeking advice about how to compare policies when not "apples to apples" on coverage. Does UP or any other independent source offer objective help with this? Would love to find an independent advisor or consultant who could help since process feels overwhelming. Thanks very much!
Construction Insurance
I have a client affected by Superstorm Sandy in NJ who is going through the NJ State RREM program to elevate his home to base flood level. His homeowner's insurance has indicated that his policy will not be in effect during the time of elevation when his family needs to vacate the home. They have told my client that he needs to purchase an additional "construction policy" to cover anything that may happen during elevation. Is this standard? The client does not have the funds to purchase an additional policy and is requesting assistance from the Long Term Recovery Group.
Insurance payment on a claim
If you scraped some paint off someone's bumper on the left side because you turned too sharply, would your insurance co. pay 100% of the cost to repaint the bumper, if the right side already has damage? The right side damage had significantly more paint scraped off. I want to pay for damage without involving the insurance co.
Inventory App
Are there instructions here, online, for the inventory app? Easier to read on my laptop screen. Thank you.
my house was on fire a year ago. the insurance pay the nominal value of the policy after it was built they decide to pay only for the 1032, ft living area and not for the garage(319 ft) because we change it to a living room. is it legal?
the house measurement on the appraisal before the fire are 1032 living area and 319 garage and laundry room. we added a bay window were the garage door was (22 sq ft) are we entitled to receive money for the garage? they said they are replacing our house as it was before the fire, I told them I am willing to pay for the difference between the cost of the garage and the cost of the additions I made. The insurance company did not provide with a copy of the insurance conditions, neither with a scope of loss, before the construccion, they did not want to go when it was demolished, or any time during the construction, the told me it was a matter between my contractor an myself. the pay on the policy initially were 76300.00 plus 16500.00 and 3850.00 now it was reduced to 79000.00
Public Adjusters
We have a 25,000 sq. ft. warehouse which was vandalized, a major damage to wiring and plumbing. Is it a good idea to hire a Public Adjuster? How do I select a good public adjuster? Does the size of the firm matter? Thanks.
How many estimates are we required by law in Michigan to provide to the insurance companies regarding damages?
examination under oath - auto claim in florida state
My insurance company is making me take an Examination Under Oath. What is that, and what do I need to do to protect my rights?
Commercial claim
I was an employee at a business recently burnt by a fire. All of my belongings have been lost in the fire and my boss was responsible for the cause of the fire. I told the insurance company about everything. And they haven't been cooperative. What can I do to get compensated for my destroyed belongings?
Bid for repairs
I had water damage to my home. The insurance co. sent out a company to open up the walls and do the clean-up and drying. The same company has a division for construction repairs. First the construction sent their project manager to do a bid. Then I was told by my adjuster that he would have to come with the project manager to physically inspect the scope of loss because the bid came in high. Today they came, the project manager said he would send the bid to the adjuster by this afternoon. My adjuster said he would review it and then submit it to his supervisor for approval, which would take no more than two days, but directed the project manager to start tomorrow. I did not feel comfortable with having the company start the repairs with out an approve bid. Do I have to wait to get the bid, or is it typical for the construction company to begin a job without an approved bid?
concurrent clausation
I was hit by superstorm sandy and i did not have flood insurance but i did have sewage backup coverage..i was denied payment because of a concurrent clausation clause that no know seemed to know about...I called my agent and was told they had no idea about it...so basically it says if you had sewage backup before during or after any thing else you have no coverage....is there anything i can do at this point?..I went to non binding arbitration and the insurance company said that being i told the truth hit with sewage and then water about 1 hour later i had no claim.....
In Aug 2011 my home was devastated by "HURRICANE IRENE". We had FLOOD INSURANCE (FIDELITY),I documented everything, photo's ,compiled receipts,submitted all invoicing. Not including the loss of TWO CARS, we spent & lost upward of $100,000. My husband & I were never directed to seek any assistance, NO OUTSIDE HELP OF ANY KIND! As a direct result of the overwhelming situation,all the losses, the horrible mess,the lack of support, by Jan. 2012 we separated & believe me, I am still suffering,emotionally & financially. I am still carrying the debt I incurred, and living in the house that never got finished,because the insurance co. only gave us back $23,000.00. I am 59 years old,divorced after 22.5 years, $65,000.00 in debt,& living in my house we paid $560,000.00 in 2007, that I couldn't sell today for $450,000.00! I couldn't act sooner!
Long term disability offset
After receiving 12 months of long term disability payments, my employer decreased the amount of my disability payment. I am not receiving social security beneifts. Can the employer do this legally?
need legal I have been help, cannot get any, mortgage companies trying to take advantage of situation
I have been fighting two disgustingly corrupt mortgage servicers for years over my home and now the proceeds from it. They have been unable to produce a clean chain of title, the original note and mortgage unseparated from the mortgage signed in ink by me, and the insurance policies taken out in my name from their re-insurance schemes or prove ownership from their securitization schemes. The house in question burned down almost two years ago and they are adding outrageous fees to the payoffs; above and beyond even the original loan amount. One won't even provide a detailed payoff despite complaints to the cfpb and a qwr statement. One demands over 4000.00 in "collection costs" and another over 4000.00 in "interest charges"; this for a second mortgage worth only 22k at inception and that I paid faithfully until my bankruptcy in 2009 and even after.
Fire damage/filing Proof of loss
On september 19th 2014 I had fire and lost the whole house (total loss). Filed a fire insurance claim, hired public adjuster for my contents and had the process rolling. Recently I received a letter from a law firm stating that I have to appear for examination under oath and fill out proof of loss for contents and building loss. My public adjuster is telling me that I cannot fill out proof of loss form on my own and that they have to do it otherwise I cannot prove actual cost, whole loss and damage cost..etc. They are charging me $3,000 and providing a lawyer for one sitting/examination. I'm entitled to be represented by an attorney...I feel like I'm being scammed. In your professional opinion can I fill out Proof of loss form on the building on my own to best of my knowledge and not hire an attorney?
Please provide all laws and regulations in Michigan that make it illegal for insurance companies to force consumers to file suit to recover their policy benefits. Please tell us, as layman,where to find hard copy & or websites with links.
We believe we have a "bad faith" lawsuit against our insurer for denying a claim due to an insufficient Proof of Loss (POL). The insurer never notified us that the POL was insufficient or not substantially completed when we timely filed it but yet used this as its defense at trial, 3 yrs. after the date of theft. We believe we should have been given the opportunity by the insurer to correct and defects. We did follow the instructions given to us for completing the POL.
Not sure of my rights with a dryer fire that started on the second floor unit below me and damaged are property and not allowed to live there and no insurance.
On Oct.19th 2014 the second floor unit right below me had a severe dryer fire that destroyed their whole unit and the fire came into my unit on the 3rd floor and destroyed my bathroom and I have extensive smoke damage to the point we were told by the association that we are not allowed to live there until it is repaired which could be months. They said they filed a claim on my behalf through their master policy which is the only insurance i have and the only insurance the landlord on the 2nd floor has. What steps do I take on my behalf since i have know one fighting for me because i don't have my own insurance and although the condo association has filed a claim through their master policy on my behalf I'm not confident that they will do everything that needs to be done for me. I have hired an attorney to possibly sue the landlord on the 2nd floor who's dryer caused the fire?
Residential Earthquake Insurance
I currently have residential earthquake insurance with a non-admitted insurer. The premium is $2650 per year. The premium for equivalent coverage as quoted by the California Earthquake Authority is $3,800. This seems odd since the CEA is a non-profit agency. Should I be worried that my existing policy has some exclusions or some other defect? Thanks in advance for your reply.
total loss claims
Are there any laws protecting the homeowner/insured in a total loss claim? My insurance company has taken 7 months to come to a reasonable agreement on the amount of money we need to rebuild our entire home after a total loss water damage claim. They have cut off our ALE money & we were forced to move back into a house with no working kitchen, construction equipment everywhere, exposed electrical outlets & no smoke detectors.
water damage & contents
I had a total loss claim at my house almost 8 months ago. We are trying to recover money for our contents. There was water damage so severe they had to gut my entire house. We have 2 children ages 4 & 6 and our public adjuster told us the insurance company will replace the toys, or that we can claim the toys as part of our contents. The water came from the toilet and soaked EVERYTHING so every toy got wet & was exposed to toilet water. The insurance company is saying my childrens toys should be able to get cleaned & returned. I think they need to replace them. How are you going to clean coloring books, cardboard puzzles & stuffed animals? Not to mention they have been sitting in a warehouse for almost 8 months.
Additional Living Expenses
We didn't keep any receipts for food when we ate out, which was every meal, our hotel didn't have a kitchen. Is there a certain amount of money my insurance company should be reimbursing me for these meals? I have been out of my house on a total loss property claim for almost 8 months now. Isn't there a formula the insurnace company goes by to calculate what a single person gets to spend on meals?
Can insurance adjuster refuse to pay a vendor once job is done
I had a vendor do work on my house and finish now he wants to get paid but adjuster want to talk to them to negotiate price but the person don't want to negotiate so will he get paid.
insurance policy
I had a house fire and the insurance company told me to get someone to clean house. I did and now he want to get paid. The insurance people thinks the bill is too high and want to negtioate. The contractor doesn't want to negtiaote and wants to get paid. He told me if he doesn't get paid he will sue me. What can I do?
home insurance special investigation unit
I had a house fire about a year in a half ago. Unfortunately we had another house fire last month. This has been tragic for my family. The insurance company seemed as if they were helping us, until we met with the content worker, and she was horrible to my husband and I from day 1. I called yesterday to file a complaint about her attitude, and all of a sudden they turned my case over to a special investigation unit, and the reasons why make no sense. I have never heard of this unit but it is making me very uncomfortable, and I am already devastated that my family and I are going through this for the second time.
health insurance
Do you know about health insurance?
Additonal Living Expenses
While our house is getting rebuilt due to a flood, we were offered by the adjuster to stay in a hotel, or take a daily per diem of between $100 -$150 for 8-12 weeks estimated time for the repairs. We decided to take the cash per diem, but now the adjuster will only pay $100 per day and only for 6 weeks. In addition, we have been delayed in beginning construction for the past three weeks while the insurance company has been haggling with the construction company. Cabinets alone take 5 weeks to order! So what determines an insurance company's per diem value? I reserved the only long stay suites hotel in town available for that time at $137 per night. I know construction is going to take more than the 6 weeks given to us (3 weeks now). How do I argue with them for a higher per diem? Why doesn't our policy state this amount more clearly so we know what we are entitled to.
Flooring damage
We had a refrigerator leak while we were on vacation. The entire main floor filled with 1" to 6" of water in some places. A housesitter found the damage and called a plumber and flood response company. The flood cleanup people removed the toekicks on all the cabinetry. While doing so, they nicked and scratched the tile flooring along every cabinet toekick, as well as two large pieces of tile were broken off. The insurance company is denying the claim for a new tile floor (too old to match tiles) saying it was not damage from the flood, but from a company that we hired to cleanup. The cleanup company says that because the toekick was installed before the tile flooring and grouted up to it, there was no way the toekick could have been removed without doing the damage and therefore the insurance company must cover the replacement costs. They are both at a standstill. What do we do?
Where to obtain very Affordable Auto Insurance for Detroiters, in Michigan?
I am in dispair when it comes to automobile insurance in Detroit! I live on a very fixed income month to month and will be turning 60; my birthdate coming on Sunday, October the 26th. My tags will expire soon as well. I have my tags fee but am having great difficulties with a fair premium auto rate less alone down payment. What I find appalling is how the overrated insurance companies are able to get richer or have these outrageous markets competition with each other and seem to forget that not every human person is financially able to play their numbers game. It seems this is a system to eradicate low income households as unqualified or desirable to attract an exclusive package. This seems like prejudice to me. Who lobbies for such as us? I know I Am not alone. I help an auto insurance to be a tangible item by choice! I/WE, Detroiters with low income to be able to afford it fairly!
Homeowners insurance coverage denied
Hi. We filed a claim with our homeowners insurance about 18 months ago and were denied. There was a leak under the sink from a water filtration unit that had been installed 4 months prior. The leak only occurred when the faucet was in use and thus the water supply to the unit engaged. The insurance company denied our claim saying that the cause was due to an intermittent wanter leak and was therefore not covered. We thought there was nothing further we could do and have been saving the $20,000 in estimated repairs in order to bring our kitchen back to it's "whole" state again. Someone recently suggested that we consider a 3rd party to help us again attempt to recover costs from the insurance company. Again, I am feeling overwhelmed by this process. Can you help direct me to where I might look for support on this? Is this even worth it given the summary of our issue? Thanks, Judi
property insurance
Is there legal documentation that may be sent to a insurance company easing the process of making them pay overhead and profit
Insurance claim denied
I recently submitted two claims related to a mercury spill that occurred at a condo we own as well as a rental home we are currently residing at. We lost most of our possessions due to mercury vapor contamination and the insurance is not covering this loss due to a "toxins exclusion." I am waiting for them to mail me the details listing this exclusion in our policy but is it even worth trying to fight our insurance on this to try to get our losses covered? Please advise.
How can I determine if damage to my house foundation is caused by the earthquake or pre-existed the earthquake?
House Fire
I had a house fire in August. I received the estimate from the insurance company (Allstate) but am not satisfied. I feel that some items were not included or being considered. For instance, they are trying to only replace a portion of my siding. I need help, how do I fight them on this? What are my rights? I've reviewed my policy but it seems unclear to me. I'm overwhelmed and disillusioned by this whole process. How do I fight and get certain things included that I feel the company is omitting or short changing me on? I am trying to avoid a public adjuster at this time. I want to see what my recourse and options are before bringing in another party and having to pay them a percentage of my claim
Clean vs. replace all-leather furniture exposed to heavy smoke from wildfire?
Can all-leather covered furniture (e.g., sofas and chairs) be completely and safely cleaned after exposure to heavy smoke from a huge neighborhood wildfire? If so, how? What about the permeability of leather and what may be trapped in the insides of such furniture? What are the health risks to keeping such furniture vs. replacing it? Thank you.
Home fire
My home was destroyed in a fire, Im in the process of listing contents lost. What are some examples of turn over items?
ALE Rent questions
My insurance company has agreed to pay 8 months of rent of a 12 month lease. I have two questions: - If we could not find a landlord to offer a 6 month or month to month lease, why wouldn't my insurance company be on the hook for the additional 4 months of rent should we be able to move back into our home before our lease agreement is over? Our insurance company did hire an ALE placement company for us (two of them) but neither one of them found something that worked so we found it on our own. - If the insurance company has agreed to pay for 8 months of a 12 month lease, and I requested the full 8 months up front, why won't they provide me a lump sum for these monies? It is a pain in the neck to go back and forth each month fighting with them on this issue.
ALE question
My policy ALE limits are "unlimited." Does this coverage include the deposit I am to make to my landlord?
umbrella personal libility insurance
what are the pros and cons of umbrella policys and what to watch out for? what questions to ask the agent?
Liability from renters, umbrella policies, waive right to sue
We have good fire/ liability insurance on the primary home we own in California. However, it is difficult to determine what is covered with 2-4 mobile home tenants to which we are considering leasing space on our 5 acres. I cannot get a straight answer form our insurance agent, Horace Mann. Can we skip all this and get a lawyer to write a "hold harmless" waiver or a lease agreement that reasonably limits the tenants ability to sue us if they get hurt or run into other trouble on our property. I understand there is a lot of nuance here and limitations to everything, we are simply looking for reasonable, not absolute, protection.
How restrictive is an owner-occupied homeowner policy?
In 2012 I purchased a home in Tennessee and insured it as my primary residence. Since then I have asked my son and his family to move in with me, so the household now consists of 6 people. Since I am fully retired, I am now traveling and prefer to stay in Florida for long periods of time. My insurance agent says if I am not staying in the home 5 days a week, except when I am on vacation, I need to change the policy to a landlord type policy instead of "owner-occupied." This will cause problems for my mortgage and my taxes. Is it not possible to consider my son and his family to be part of the owner's immediate family and continue to use the owner occupied designation?
life insurance for people w MS or other disability
The National MS Society encourages clients seeking life insurance to disclose their MS and work with an impaired risk broker or agent. Is there genercal advice on how to find one (e.g., ask your state dept of insurance for referral info)?
Insurance canceled home owner insurance because we are in a wildfire zone
informed we cant insure our home because we are in a wildfire area. I have no idea what they are talking about and there hasn't been any wildfires in the area ever.WE have never had a claim on our insurance.
my calls/emails to a claims agent are being ignored
At about August 1st my quonset building shop was damaged when a large tree branch fell on it. I called in my claim and the agent came and carefully examined the damage, put me in contact with an appraiser/estimator who visited and checked the damage. I was told the estimate would be prompt and I would be informed of progress. After an initial email acknowledgement of my claim and a few phone calls, I've had no further communication. What can I do?
Insurance payment delay due to posssible legal action against 3rd party
Several condos have had severe water damage by a unit above them. (leaked down several floors) Is there a way to get some living expenses/damage payments while the insurance company investigates legal action against pipe manufacturer? How should they go about it? They are getting no response right now, and need to move back into their homes.
I have a dirt/ledge unfinished basement with my heating system (forced hot air)located within. I have lived here for 14 years and have gotten incredibly ill since living here with Multi systemic immune disease. I have made two claims to Amica Insurance. They sent an engineer out the second time (to cover their concerns, I guess). My claim was denied based on the concept that the mold continues to exist and be spread throughoutt my home because pre-existing foundation supports mold, mildew, mushroom growth along the dirt floor portion of the basement. They stated that I should have a gutter on the other side of the house for proper drainage, but I have installed a French drain and a "Be Dry" water management system. They will not cover any expenses to eradicate this condition that is causing me serious illness. I have tested positive for many allergies and have a mold HLDR4 present in my bloodwork. Please advise me if there is any way that I can have Amica remediate my current mold condition? I am now on disability and can not afford to do this work myself.
insurance adjusters after fire
1. Is insurance responsible for fixing one of two garage doors damaged from fire? And then forced to fix 2nd door in order to match new door and keep look uniform. 2. Insurance is bringing up upgrades that need to be made to the house now after the fire. They are saying WE are responsible for these new upgrades. Is this correct? 3. Should we be looking for anything specific during the insurance collection and itemization of all of our belongings?
hired Insurance adjustor's friend as contractor, but now contractor "friend"demands more money
Half of my parents house burned down. The insurance adjuster came out with his "friend" a contractor, to take inventory of the damage and do some initial clean up The insurance adjuster then "suggested" him to do the rebuild. The contractor started to do the rebuild, then about a week in he demanded 30k more from my parents to complete the job It was strange the he demanded it right after they got a 30k content money check. Now what do they do? They want to fire the contractor, but they signed a contract with him. How do they get rid of the insurance adjusters "friend" and get another contactor to continue and rebuild
Black Forest Fire Taxes
My home sustained partial loss/smoke damage in the Black Forest Fire. What is the proper documentation for damage to the home - is it repair estimates to fix, or is it a formal appraisal of reduced value by a licensed appraiser?
Black Forest Fire Taxes Extension
My home sustained partial loss/smoke damage in the 2013 Black Forest Fire. Insurance had denied coverage and my appeal is still pending. Do I need to file a suspected loss in my 2013 extension or can I file in 2014 once I know? I filed an extension for 2013 so need to know how to file for 2013. I don't want to split any potential loss across 2 years due to 10% AGI deductible. I don't know if I can delay any potential loss to 2014 as fire was 2013.
Claim loss due to an act of God
Is it legal or lawful for your insurance company to raise your rates after filing a claim due from an act of God? Hailstorm.......
Earthquake Insurance
In the recent NY Times article, a mention was made of programs to buy additional insurance to lower earthquake insurance deductibles. Can you lead me to that info? Thanks.
Fire repair estimate approval
We have an extensive fire on June 21st. My builder submitted his estimate about a month ago, and State Farm, got a comparative estimate from another builder they trust. Two months later, they are still reviewing.... Is this a normal timeframe? We are chasing constantly and they say they need more time. But the process is obscure, they would not indicate when it will be done one they provide any guidelines. My house is without a roof, rainy season is getting closer and we could not start the repair project yet. I just want to know if there's something I can do to push for resolution. Thanks
Points on homeowners policy
Hello - I'd appreciate your advice for the following issues #1I filed leak related water damage mold remediation claim with AAA in 2012. I noticed that the following years renewal premium represented a 15% increase. I asked my assigned AAA agent for an explanation and all she could offer was, "inflation". Obviously based on an inflation rate of 1-2% over this period, that wasn't a valid answer. I forgot about the issue until this year's renewal declaration arrived. The renewal premium represents an ~ 9% increase over last year's. In real dollar terms I went from $754 in 2012 to $869 in 2013 to $945 for 2014. A few days after receiving this renewal letter I called the general AAA insurance cust service line. This rep explained to me that the increase were due to incurring a point on my policy from the water damage claim and that the point and resulting increase in premium was mandated by law as part of anti-fraud deterrence law. She could explain to me exactly why there was a 15% increase in the first post-claim renewal period and the ~ 9% increase in the second post-claim period. The actual increases shown in the coverages and limits section bared no relationship to either of these numbers for either renewal year. Finally, she revealed that without the point, my current renewal premium would be $756, i.e. 25% less than the $945 they're requiring. In other words I'm now paying a 25% penalty for this point. #2 At the end of the phone call described in #1, I also asked the cust service rep to remove the auto-renewal of the policy, as I wanted to shop around for a competing quote. She informed me that it was AAA's policy to cancel the policy immediately upon removal of auto-renewal. #3 During the mold remediation and water damage demolition portion of the above claim, the contractor who was arranged for by AAA, did not properly sample all of the flooring layers and it turns out that one of them contained more than the legally allowed percentage of an asbestos containing material. This was discovered by myself and a flooring contractor I hired to repair the kitchen. I have the test results from the original AAA assigned contractor and for a sample I brought to the same lab and it revealed that the AAA sample did not contain all of the (three) layers of flooring. AAA claims they bare no responsibility because, I was technically the person hiring the contractor. In fact, AAA arranged for this contractor to do the work and paid the contractor as part of the claim. Do you believe I have any legal recourse with AAA? I have already opened a complaint with the CSLB against the contractor. Thank you in advance for your help
Recoverable depreciation
Are any or all of the funds in this category for a contractor performing work.
ALE for delay in rebuild
Our house fired occurred in Oct. 2013 and the rebuild will be completed in March 2015 due to delays beyond our control: 1. permitting process; 2. contents removal company was incompetent; 3. foundation work, which was scheduled PRIOR to the fire, took longer than expected and caused delay to the rebuilding, perhaps 3-4 weeks. What is the carrier's obligation to cover ALE for construction work which was scheduled on my house prior to the fire? Thank you very much.
Florida no-fault.
No-fault (Florida is my first experience) seems misnamed to be called 'insurance'. That being said, if one injured party does not carry auto insurance (pedestrian or bicyclist), how is medical care received?
Shower leak
My shower pan or the drain was leaking slowly. I had a piece of carpet over the carpet at the door of the shower and did not realize it. There is mold through to the sub floor under the pan and the carpeted area which we can see on the ceiling under the shower in the basement. I have Total Protect home owners. They said it was not the plumbing so will not pay. My regular home insurance with Allstate says they never pay for a pan leak even if it is the drain or pan itself. I pay for all of this insurance and then they refuse to accept responsibility. What do I do?
Travelers tells me my deductible is $1,000 due to filing with the state commissioner - state minimum limit. Liberty Mutual is not guided by a limit for a deductible--they offer $250, $500--up to $50,000.I have a potential lawsuit for many reasons, including agent fraud. I just want to know if it true that a NJ Commissioner does set deductible limited coverage for select insurance companies. What is the statute of limitations in NJ for suing an insurance company and what specialty of an attorney handles such cases?
Long Term Disability
My mother is on long term disability, this is a policy she paid for through her employer for over 15 years. She is 63 and also receives early SSI ( not SS Disability). Can the long term insurer offset her disability by her SSI?
Long Term Disability Offsets
I am receiving LTD and SSDI benefits. I have 1 primary house and 3 investment properties that I am renting out. My health is getting worse! 1) Should I have a company to protect my investment? 2) How can I keep the LTD co and SSA from denying me any of my current benefits if I have a business? 3) Can I sell my primary home and buy investment property and sell it or rent it? What would the SSA and LTD say about it? 4) Can I buy more investment properties? 5) From what I read, being as a real estate broker the LTD won't be able to Offset what I will earn? Am I correct? Thanks in advance!
Having trouble getting another home owner's policy
We had our money in escrow to pay, what was an excellent policy, at a good rate. Somehow, someone screwed up and the company was not paid--I was unaware, as I was out of town and did not find out, until it was too late. While they did return the money--as it was not paid on time, in looking for a new policy, I found they are tremendously higher--so I had to search for a company that would allow monthly payments, as I did not have enough to out right purchase a new policy. I purchased one through Liberty Life, and made the first two payments. I just got a cancellation in the mail, saying the reason was, I have a crack in the concrete drive--which is tiny, and simple to repair--the three steps up to my porch, have no hand rails--which is an easy fix, and some overhanging branches, from my neighbors yard--which I will have to pay someone to remove. I called them and told them I could fix these things. They said that we currently do not fit their Underwriter's Criteria, and if we make the changes, we can try applying again, but no promises. Our credit score has taken a hit--though they did not cite it as a reason--because my husband had a job change, and we are now living on half of the income he once made--he did have to make special arrangements with creditors, to pay off things--and it was done. I am just at a loss, as to what to do--I can make the changes, but I get the feeling, they will not renew--nor will anyone, and we do have a mortgage. Any ideas?
Long Term Care Insurance
Is there any protection against 55% premium increase just after a 37% premium increase on two Genworth LTC policies in force for 20 years? Indicate they will likely increase again every year
Disabilty from Mass Mutual
I was paid benefits for 5 years which was the limit stated in the policy. If I keep sending in doctor's reports, the company will keep the policy open. Under what circumstances could i receive more benefits. Why is it good that I keep the policy in effect? Thanks.
if a peril is covered by a rider is it then covered by your homeowner policy
I have a sewer backup rider for 10k. when my sewer backed up everything was ruined eating up my 10k. the water also loosened the asbestos tile in my basement. can I claim loss of use since the home will be uninhabitable and can I tap into any part of my homeowners policy to pay for the removal of the asbestos and replacement of tiles. since sewer back up was the cause but I have a rider for it does it mean my policy will cover the overage?
Claims Filed with the Insurers of a Delivery Service that Damaged our Home
We bought a washer and dryer from a prominent home-improvement chain. The chain included delivery and installation in the price but, as it turned out, they used a sub-contractor for the delivery and installation. We only learned this when the delivery service extensively damaged three floors of our home (which we own). Although we may eventually file a claim via our own Homeowners' Policy, we are first filing a claim, at the large home-improvement store's direction, with the insurers *of the delivery service*. My first question is: can any resources on this site can help us with this first stage--where the claim is not through our homeowners' policy? My second question is: is there any kind of guidance that you would suggest we obtain from our homeowners' insurer (a very good and longstanding company)? My final question is: do we have the option to deal first with the prominent home-improvement chain's insurer, rather than with the insurer of the disturbingly dinky, cavalier, and seemingly fly-by-night delivery service? Thank you for any help you can give us.
Property loss - garage fire
A classic car project was located in our garage when a fire disaster struck our community. The garage and house burned down. In the garage was a classic project car. There was no auto insurance as it was not functional. It was not even registered with DMV. The insurance company denied coverage under personal property as it was an automobile. However, the policy states there is no coverage for "any engine or motor propelled vehicle or machine, including parts, designed for movement on land". However, the drive-train was disengaged and did not have the ability to propel itself anywhere. This is in California. Do you know of any case law to support payment?
Homeowners did not sell me code upgrade insurance when I bought my policy 18 years ago and now that I have a claim that involves code upgrade they don't want to cover this.
My 3 contractors have quoted a $19,000 cost to repair a bathroom and dining room with water damage. The homeowners wants to allow only $5,000 to replace hardwood floor, ceiling, walls, electrical, plumbing. The say they are not responsible for code upgrade yet they sent the municipal building inspector a letter informing him of my loss. The contractors say that replacement value includes the code upgrades, the insurance comp. Met Life says they are not responsible. Since my house was built in 1904, and the underwriters did not insist or advise extra coverage. The agent stated she did not know what code upgrade insurance was. My policy is part of a large group with Mass Hospital Assoc. evidently the agent only sells and does not service the account. Can I successfully fight this? Do I need a public adjuster? Thanks. MH
where do FENCES belong? mine was bolted to my Dwelling. is it part of Dwelling?
I am 14 months away from the wildfire that took my home in Yarnell, Az. Not yet into reconstruction on my new house, and I just recalled that the cast iron fence was bolted to my dwelling, and bolted to the redwood fence which went along the border of the property. Does that become part of the replacement cost due on my Dwelling? Thanks to all of you for being there.
Health Insurance: denial of coverage for Lyme treatment
Are there are any groups that will help an insured sue a carrier for denial of coverage for the treatment of Lyme disease? The denial was based on claim that treatment sought was experimental and/or investigative and unproven.
Additional Living Epenses
we received a check for six months rental after a house fire, and signed a form we thought was for that check only. But the company claims it was for the total we needed for ALE. Is there any remedy for our mistake? We are New York residents.
Mortgage company and settlement check
If I am behind on my mortgage and I have an insurance claim resulting in a payment to myself and the mortgage company, can the mortgage company take my settlement money and apply it to my delinquent balance or will it go into a separate account leaving me still delinquent?
Travel trailer insurance claim
I submitted a claim to my insurance company due to the fact that the vent in the bathroom window was accidentally left open and snow ruined my floor over winter. They say if i had noticed the damage the day after it happened, it would have been covered, but because it was stored and the damage wasn't noticed until i opened it back up for the summer, that the claim is no longer valid, and they are refusing coverage
insurance claim
Hello..my boyfriend gave me an suv truck..but im not the owner and I put the insurance in my name aandi had a blow out so I did an insurance claim for..the gave me 1900..then a week later a girl backed into me..so I did a claim and now a check has arrived for 1400..and now I gave him the check for 1400..so do I have to give him the check because its his truck
Tracking down policy
My father died in a house fire (San Diego, CA) in his manufactured home, thankfully my mother made it out alive. Now, we are trying to locate a current homeowner policy, my mother was not in charge of paying bills so we are having a hard time locating a recent policy. Much of the paperwork was destroyed so it is making it difficult to locate anything. We were able to locate an old policy up to Feb. 2013. He did change policy companies here and there so we are hoping he has one out there after the last policy we were able to track down. Could there be a policy locating website in CA to help us track a missing policy? We are now being urged to demo the place down because it is in a mobile-home park, we need advice badly. I want to be able to help my poor mother re-coop what she can before the place is demoed. How can we track down a missing homeowner policy?
Rebuild after a fire
Our business was burned down by an arsonist. We are in the middle of our rebuild process and cannot get the insurance to settle with us on the cost. We are not rebuilding exactly what we had before. Adding a few things and not rebuilding a few things. We provided our builder with 2 estimates that they required but they keep saying it's not a "hard" bid because they know it's an estimate from our old plans but not what we are really building. They paid a contractor from another city to bid our rebuild and they were 150k lower but we know that they cannot rebuild for that price or in our time frame. We thought we could give them our hard bid and just include what we are adding and also what we are not rebuilding to show they offset each other but now heard maybe they won't pay for what we don't rebuild. These are things like walls, extra water heater, extra doors and storefront glass. What should we do? Can they hold us to an estimate by another contractor who doesn't even know the new code that we have to build under?
Insurance company demanding so much of my personal info after total fire loss!!! Is there a limit to this insanity?
I was out of town on a 5-10 day trip and my house burned to the ground around midnight, 7 March 2014. My dog was kenneled. In an interview 2 weeks after the fire with an SIU investigator which was deliberately arranged under false pretenses, I was told the fire was suspicious and needed to be investigated. They questioned my age (70 yrs), martial status (widowed), children (none), living relatives,(only one cousin) etc. In other words, they summarized very quickly, I was an easy target. For the first 75 days, I was living in a hotel and am now in a furnished apartment paid by the insurer, but it is not similar by any means to what I have lost. The Proof of Loss Inventory has been timely submitted as well as the estimates for rebuilding. Are there any legal limitations as to the personal information they can demand in Texas? It is outrageous the items he has requested. I volunteered authorizations to interview those I came in contact with on my trip, where I stayed, etc. However, he wasn't the slightest bit interested in that information. I have given him my home phone records. The cell phone records are unavailable because it was a prepaid phone and those records are no longer available. I am ready to sue for payment and move on. Any suggestions.
What is a pretext interview
My house was completely destroyed by fire while I was on a road trip. Two weeks later, under false pretenses, and arranged by the adjuster, I was to meet with someone higher up in his office who had a few questions before they would sign off on the payment. Turns out it was an SIU rep who took out his recorder and began asking questions. At the end of the interview, he said he needed to investigate further. This is not what I was told to expect. Also my cousin was told to leave the room. Would this be considered a pretext interview
How do I negotiate with my adjuster for cleanup work that I did myself?
We had a small fire that resulted in smoke odor and some minor soot/dust, as well as loss of refrigerator. I have an estimate from a cleaning service, and we did use them for 48 hours of air cleaner rental, but the only work they were going to do was a "surface wipedown" of the affected area(s), which ended up being done by me and several family members prior to and after removal of the old refrigerator, which due to availability was replaced several days before the cleaning service would have been able to get to us. The adjuster has already cut a check to me/cleaning service for full amount of their estimate, but the cleaning portion has already been done. How do I approach the adjuster for a revision, and what reimbursement am I entitled to for the hours spent?
Impact on Homeowner's insurance premium after claim is calculated by a claim, as well as the amount filed?
I am a victim of a theft/ID fraud case which occurred in October 2013. My question is the impact on my premium would be calculated by number of claim only, or also amount. With the same criminal incident, I lost a valuable goods, and large number of legal cost to recover the title of the automobile which was fraudulently transferred. Here is the details. The valuable item about 4000 dollars was stolen, as well as the title of automobile was stolen along with the car. The car was sold with forged signature at the auto tag place. The tag place apparently neglected to verify the ID of the criminal, let the transfer of the title happen. The buyer who paid the criminal in cash, refused to return the car to me after police notified about the incident. The police issued the arrest warrant to the thief who fled out of US. In order to recover my car, I had to obtain an attorney to sue the buyer, and the auto tag place. The legal cost already passed 10000, while the buyer continues to refuse the return of the title document, even after the police ordered her to return the car. (the car is now under police custody). The tag dealer refused to take any responsibility. As my legal cost accumulates to the burden, I am wondering whether I would file this expense which is related to the incident or not. Since I saw the hike of my premium after the claim of the loss of goods, I am very concerned that another filing would damage further my profile, although the legal cost took huge toll already, and I am in depression. I asked an agent about filing, and told that she is ready to process the claim under the same case ID. While, she could not tell what would be the impact of the filing. So I called another department agent to find out. This underwriting agent said that my premium was already impacted by one claim and remains for next 5 years. She stated also that since this possible filing is under the same claim ID, there will be no double impact on my premium, and that they will not consider by the amount of the loss, but number of the claim/case. I am still skeptical about what the agent said, I would like to have expert answer. I use the same insurance company for all - auto, homeowners. After the sharp increase of homeowner's insurance premium, I raised my deductible from 1000 to 3500 to lower to where it used to be. Loss of the car was not claimed since the car was found, and custody of the police now.
What is considered insurance fraud? Non-payment of covered items Water Heater
My uncle moved out of his house because of mold growth. The Insurance company cancelled him because no one was living at his home (April 2014). The home insurance company cancelled him because no one was living at the house. They do not pay for mold damage. The cancellation and mold are not the issue. The problem comes when my uncle's water heater stop working in January (2014). The home insurance company is saying that the water heater is not covered. That is a false statement because my uncle had Home System Breakdown Cover which covers Water Heaters. My uncle is considered mentally handicapped. What can we do to get his money reimbursed for the water heater? He has the receipts for the payment of the new water heater. I think the insurance company is trying to take advantage of my uncle because he is disabled. Bottom Line insurance company would not pay in January and the present for the water heater which he paid additional premium for Home System Breakdown coverage. Any help would be greatly appreciated.
Water damage leaking roof damaged by high winds/hail in Fort Worth TX
I just filed a claim because yesterday I noticed water pouring off the 2nd floor roof in front of a bedroom window. There is water leakage in a couple of places on the ceiling where the ceiling and wall over the window meet and the window sill. They wanted a specific date of when this happened. All I could give them was the date it noticed the problem which was yesterday. I have a feeling this happened over a period of months or weeks preceding when there have been high winds/hail and blowing sideways rain. It is a two story house and I have no way of checking on the roof every time it rains (I am a lady and live alone) I just worry that since there is water damage and when it was raining water was coming in on the windowsill that mold could be a problem if they do not handle this right. What should I ask and expect to be done?
Hi, I've had multiple break-ins and 2 home invasions. The police have advised me to not live in my house because it is dangerous. I have an insurance claim and I would like to know how I can persuade my insurance company into paying for temporary housing.
Whole House Mold
I suspect that my house has the bad mold. I have a couple of family members that are suffering from illness' that can't be explained. I would like to know what is the first step in the process of making an insurance claim? I currently have a mortgage and I am not certain if my insurance coverage would even cover a claim like this. I need to know step by step what I should do. GiGi Reid Rockford, Il
Home Insurance
In January my house started leaking above a window due to an ice dam. I was out of the country but my daughter was staying at my house. I contacted my insurance company and they gave me the name of two companies that could fix it. I called Purofirst of Chicagoland to remove the ice dam. I also filed a claim at that time for the small amount of damage I had. To make a very long story short Purofirst put salt on my roof and left. Other than causing a small amount of ice to melt and more water to come into my house, the salt did nothing. I called my insurance company and Purofirst telling them both that the leaking was getting worse. Purofirst agreed to do another application. ......more and more and more water came into the house. Insurance said to wait it out that nothing more could be done. It took over a month before insurance came out to my house to inspect the damage. I made repeated calls to the insurance company as water continued to come into my home. The insurance company said they were too busy to come out because this was happening all over Illinois. Out of desperation I called my brother who drove 6 hours from Indiana and found that Purofirst had not made any pathways for the melted ice to run off the roof so the water was literally pouring in between the walls of every room in my house. There is so much to this story but the bottom line is that I did not get resolution until two weeks ago due to the inability of the insurance company to come out to my house and make a decision. Because of this the amount of mold in the home is beyond belief and yet insurance will only give me a little more than $5,000.00 for mold repair. If there is any chance you can help me, my brother (who took care of much of this situation, as I was working outside of the country) and myself will put together a timeline and detailed explanation of this situation. My main question is if the mold is the result of the insurance company not sending an adjustor and a qualified company out to fix the problem in the first place...why is my coverage limited by a mold clause that states a $5000.00 limit on mold repairs. It has been six months since this began and I have only just received my determination letter. How was I to prevent mold from growing if it took 6 months for them to complete their insurance evaluation? I did everything the insurance company told me to do....including having my walls and insulation ripped out in February when it was below zero most of the month. My daughter and our dogs have had to live in this disaster for 6 months. She has allergies and I can not tell you what a nightmare this has been.
ERISA- Earned income from Business- location CA
I am on disability for long time under erisa policy. For some time I have a small business that I do with help of emplyees. The business is actually a very bad business, very little if at all any cash flow. On my tax returns the business income is shown. Business income is arrived at after deducting all expenses and depreciation. This income is much less than my benefits. Insurers have been informed about my purchasing the business. Now after 12 years they want to see my tax returns to see if they over paid.I have no problem with that. My questions: 1. when they consider my income will they take the income that is shown for tax purposes, i.e. after deducting depreciation or before depreciation has been deducted? 2. if they come up with some figure that they have overpaid me, how many years they can go back? ( I have this business for 12 years.)I have sent them my returns before for a few yrs even without their asking. But until recently they have not looked into this asked for returns. 3. if They decide there is overpayment, how do they recover? I do not have any saving to pay them. The business property has devaluated because ofslow business. Will they attach it? I live at business place. This is my home also. Can they go after my other assets? only 1 small condo in other state. Now I am 26 months away from my retierment, is it worth fighting? My health is very delicate and have no energy to endure court proceedings or investigations or defending in any way? Can you help me understand how this issues are dealt with by insurers. I do have a plan summary. However the specifics about how do they determine the income part on tax return is the main issue. Thanks for your help, sincerely Pratima Patel
I just changed over to a new home insurance policy last Aug. Is it to soon to ask for help for my basement, its in the corners of the basement walls.
Is this fraud?
Contractor takes pictures of a damaged home, writes an estimate, none of the items in the estimate match the pictures, everything was downgraded.
Contractor caused fire
Hello, My house caught fire yesterday. The firefighters determined the cause to be contractor work. The contractor has insurance. The house has homeowner's insurance. I was renting a room in the house but do not have renter's insurance. My room bore the brunt of the fire damage--the room is completely burned away and nothing is left. Can I seek compensation for all my personal belongings in the room from the contractor's insurance? Thank you very much for your help.
Auto insurance surcharge
Does the state of California compel the insurance carrier to apply a surcharge to policyholder in any cases? How can we get access to insurance regulations ? If the surcharge is spread out over three years is the total amount what the Department of Insurance considers For example, if your yearly cost is $5500 and the surcharge is $3500 divided over three years is that not a 60% surcharge? The total would seem the logical figure for determining the % increase If we file an appeal with the carrier what is the process? Thank you for your input
investigation timelines and innocent co insured payouts
Home co-insured with ex husband was destroyed over 2 months ago. Arson is the cause and my ex is the subject of both the state and insurance investigations. My items were lost and I need assistance in communicating with my insurance company and how to pursue payment for my contents should my ex be found guilty. What timeframes can I expect and who would be best to help? I've bent over backwards to cooperate.
water damage from city water department
I have issues from the city's water line leak.. their leak caused foundation damage to my house additionally their repair ruined my yard . how do I file a claim? how do I get them to pay to restore my home? can an adjuster help me or do I need to get an attorney?
insurance wont pay on pipe damage/flood black mold
Nationwide Insurance is refusing our claim for 3 floors of water in the walls and flood damage from pipes that broke in the walls after they saw the water seeping through the ceilings and the mold growing - it then blew up traveled 3 floors in the walls coming out the ceilings and walls now we have open walls no ceilings and mold and my 10 yrs old son and I are getting sick- they say we have a per instance deductible of 2500usd which means they never pay- is this real? what can we do
I am currently receiving temporary disability payments from a policy I purchased. This policy is good for 1 more year and pays me 75% of my previous paycheck. I recently applied for permanent disability thru the union I belonged to. I expected the permanent disability determination to take months after all the negative things I have read. It didnt! After only 6 weeks the union has approved my permanent disability. But the permanent disability payment will only be 50% of my former pay. The union disability person tells me that I can delay receiving the permanent disability if I would like, but I only have 1 week to make a decision. Can I delay receiving the permanent disability payments so that I can receive the larger payments from the private company? How do I have to tell the temporary ins. company I have delayed receiving the permanent disability. Can they cancel me because of it?
Can the insured use disaster settlement money to do the work themself
San Bruno- Home Owners Claim Advice
Hi, I have some questions regarding an old claim that was filed with my insurance company as a result of the San Bruno PGE Explosion. I'm insured by Liberty Mutual, I had filed a claim after the PGE incident. The repairs to my home we mostly cleanup, paint, etc. Due to the proximity of my home to the fire, I had concerns regarding the roof. My insurance company denied any repairs/replacement of the roof as they felt it was not needed. I've submitted letters from roofing manufacturers and vendors stating that the roofing material is not designed to withstand such heat; the insurance company still denied any repairs. Trusting the insurance company's feedback, I left this issue alone. Fast forward to 2014, I now have water damage to one of my bedrooms as a result of some type of roof leak. I'd like to submit a claim for these repairs, but I'm left to believe my insurance company skirted the roofing issue. Is this claim something that should be considered part of the original PGE claim, or should I simply open a new claim? I'm imagining (regardless of my previous claim) it is the responsibility of my insurance company to determine the cause of this water damage and correct the issue completely. Is this accurate? I appreciate the help, thanks.
Claims filed against my insurance and orther insurance who was liable
question both have offered me a settlement amount can I except settlement form both my and the other driver?? is that possible one 2,100 and other 3,400
smoke damage
Our home had protein smoke damage (no fire, no water) from a ham on the stove in a pot that overheated. Both levels were full of smoke including attached garage. The insurance company only agreed to have upper level cleaned, then came out 2 more times. They had the upper level sealed and painted with carpets, linoleum, cabinets and most appliances replaced. House still smells like smoke especially noticeable when we were gone 3 days and house was closed up. Contractors say it needs a total gut to the studs on both levels with insulation, electrical, fixtures and furnace replaced. A public adjuster wants 20% and he's the only one in our rural area. We haven't called the adjuster back yet. We hate to give up money we are due and that we've worked so hard for. So far we are 7 months into this process 5 months of that in a hotel. What is our next logical step and course of action?
Partial Loss home sustained minnimal damage.We stayed with friends/relatives immediately after the fire for a few weeks before moving to a hotel for 2-3 weeks. hotel paid sy inruance company directly. What is reasonable compensation for friends/family. evening meal also provided. When at Hotel we had three suites. there were 7 of us
Legal authority?
In your "Getting Your Mortgage Company to Release Insurance Proceeds" article, you stated: Q: Can the mortgage company just use the money to pay off the mortgage, even if I do not want them to? A: The short answer is NO. That would also be a “bad faith” problem. Is there any legal authority to back this? And, more specifically, is there any legal authority preventing the SBA from doing this? Thank you.
Does universal life insurance make sense for a woman whose income is near poverty level?
A 46 yr. old friend bought indexed universal life insurance with a no lapse guarantee of 20 yrs. I am concerned that the monthly premiums will be too costly for her to afford when the amount goes up in 20 yrs. Is there a better option for her to leave money to her children?
Hurricane/Flood Insurance
I have been offered a job in WIlmington, NC and would like to live in a nearby beach community such as Surf CIty, NC. Other than USAA, What is the best insurance carrier for flood insurance. Thank you.
Replacement Calculations by Adjusters
I just recently sat as a juror on an insurance case. The woman totally lost her Bed & Breakfast in a fire. This house was an historic home, but in her "living quarters" she used sheet rock when renovating it. The rest of walls in the house had plaster and lath. Instead of utilizing the hard wood floors in one room she covered it with carpet to reduce the noise level. When the insurance adjuster was on the stand, he said that his estimate included all sheet rock for replacement rather than figuring the cost of replacement as a percentage of sheet rock and plaster and lath. The reason for this was homeowner had accepted "an alternative material" than what was normally used in the historic home during the time period it was built. The adjuster did not take into consideration how much it would cost to replace the hardwoods in the one room with carpet. Again, he said the homeowner accepted an "alternative" material. If a person chooses an alternative material in a historical home, can an insurance company really estimate the replacement cost for the "alternative material" only? Is this standard practice? The replacement cost the adjuster came up with didn't include any percentages for labor costs for replacement. A homeowner's insurance policy only includes the costs of materials and not labor?
I filed my property loss claim on 01-08-14. I have done my part as the insured from giving the adjuster my owner's names and phone # my property management name and phone # including having the insurance investigator come out to my home. I made police report, sent over 150 pictures of our home and my showcase of beautiful art, statures, signed autograph's (originals), African heritage tapestries, oriental lion foo dog's, my mean green carpet machine, my laptop p/c, my outdoor large porcelain foo dog's. i feel that i have been through more than i antiscipated this has been a very hard time for me.
Lawsuit against insurer and payments made
I have filed a lawsuit against my insurance company pro per but I am being told I have to pay back all the monies received to date to proceed, is this true?
Proving ownership of personal items
Why do insurance adjusters ask this question? Isn't it obvious that if the personal items were in one's home that they belong to that individual?
total loss fire question
Our insurance company requested a few items, copy of sell phone records, proof of loss statement, copy of a few eye glasses we had to replace and our mortgage settlement statement or HUD statement. I originally sent them a copy of buy sell agreement that was recorded. Should we or why do we have to give settlement statement
Totaled car
What are my rights when a car is totaled by the ins. co.? How do I buy it back if I want to keep it?
My boat
My boat is stored on my property. A public electrical transformer malfunctioned, causing it to send an electrical bolt to my boat, resulting in the boat being burnt and destroyed. What kind of insurance recourse do I have?
insurance company declines answers :: says "proprietary" info.
A total loss fire has been handled very poorly by the insurance company. During a deposition the insurance company was asked (in several different styles of questioning) to share about their "typical response time and process" to total loss due to fire claim. They refused to answer because "that information is proprietary." In the "Punitive Damages Against an Insurer for the Bad-Faith Handling of a First-Party Claim" document (part #14) on your website I read that insurance companies should be asked to provide their claim manuals, training materials, etc. My question: Can the insurance company withhold these things by claiming they are "proprietary"? What argument that can be made to require them to provide such documents? I am trusting the lawyers who have taken the case against the insurance company…but I also want to keep myself informed and try to understand the process. Thank You!!
When does your homeowner's insurance company's responsibility end?
The restoration company who repaired our home after an attic fire caused a contamination of fiberglass insulation by improperly clearing and cleaning the attic from smoke damaged insulation. We know that the restoration company should be the one to take responsibility and maybe even use their General Liability Insurance, however instead they went out of business. We have talked to several lawyers and they say we have no recourse with our insurance co. We feel that our insurance company should take responsibility and make the restoration company who messed our home up, pay to have it cleaned up properly. Does an insurance company have to use bonded and general liability covered contractors?
Direct Costs to be paid under fire insurance policy
Do attorneys fees incurred in negotiating Owner Contractor Agreement and Owner Architect Agreement get paid under most fire insurance policies? I would think they are 'soft' costs akin to architectural and engineering fees paid in connection with the restoration.
i'm a contractor whose working on a insurance claim and the adjuster quoted me for materials that the roof doesn't need. How much is the o and p in C.T? How can i get the money that is needed to fix the roof correctly?
fire claim----matching cabinets and carpet
We had a grease fire in our kitchen and as a result part of the cabinets were burnt and part of the carpet was burnt. My insurance company will only pay for the carpet and cabinets damaged by the actual fire. They will pay for damaged carpet in one room but not replace connectiong room of carpet. Same with cabinets. They will refinish existing cabinets, build new ones to replace ones that were burnt. They will replace carpet and cabinets to assure matching. Is State Farm obligated to assure us matching by replacing all kitchen cabinets and carpeting in connecting rooms do damaged carpet? We want our house uniform and consistent as it was before the fire. But State Farm says "no". We have 100% replacement cost. But, they say they only replcae what is "damaged by the fire".
Is evoking an appraisal financially feasible in my case?
This is a follow up to my previously answered "kitchen cabinets" question. Liberty Mutual gave me a settlement of 10k instead of 24k which cost me to replace the burned cabinets. When I challenged the issue about replacement cost, I received the answer that my public adjuster had agreed to this and that was the price that I originally paid the first contrator. I submitted my case for review by the NYS insurance department and in addition to the response, Liberty mutual highlighted a page on my policy about appraisal. The NYS insurance department suggested to take the case to court. I am not sure how much it would cost for an appraisal process and if it makes financial sense of this issue. Thanks for the feedback.
Insurance Coverage on newly rebuilt home-Black Forest CO
We have rebuilt in Black Forest and are now ready to insure the new house. Our agent gave us two options: keep the 'old' policy and update it to carry more coverage for the new house or start a 'new' policy on the new house. For the new policy, an adjuster was out to our property, took pictures, and said we did not comply with Allstate's mitigation rules. We have mitigated extensively and were well mitigated prior to the fire anyway. They did not give us specifics as to what trees still need to come down. Our agent had said that Allstate was not enforcing a 100 foot perimeter rule for other clients but for us they appear to be doing so. The agent gave us little to go by. We are leery of going with a 'new' policy for fear that they can cancel us then anytime they want since we would be considered 'new' holders. We were successful in getting all our policy limits. It was a battle. Could they now be targeting us for dismissal? What kind of policy do we pursue at this point: an extension of the old policy or have the agent write a whole new policy on the new house?
Unable to find a reputable licensed contractor to give estimate and bid on the water damaged repair job in my home
I have brought three different licensed building contractor to my house to obtain estimate on the repairs needed, but so far, none of them had given any estimate nor bid on the job. The insurance company adjuster had given me the written estimate and a check and an unfunded credit card to use for accommodation when my family and I need to leave the house during construction. I do not want to deposit the check until I find the actual cost of the repair job from a contractor and until I settle with the insurance because I realize that the adjuster's estimate is most likely much lower than the actual cost. What can I do to find a reputable contractor who will be willing to take the repair job so I could go forward on my insurance claim? My claim with the insurance company has been pending for already one month. Is the statute of limitation running out on my claim while I am still looking for the contractor who will do the job?
Temporary housing
How long can an insurance company investigate a claim legally? We are being denied temporary housing due to a current 3 1/2 weeks investigation into an arson fire at our home. Police has the perpetrator in custody. We currently staying at a hotel and insurance is paying for that.
Insurance Claim
I put in a claim for damage to my roof from a storm. The insurance company came back with a claim amount. I shopped around for a roofer to get the best price. The roofer that I selected's estimate for the work in the claim is less than the amount that the insurance company said it should cost. Does that mean that the insurance company will only give me what the roofer is charging or will I get the difference between the full amount that the amount the insurance company assessed that same service should cost? Do I have to send the estimate or invoice?
Property Insurance while rebuilding.
We're rebuilding our home after Sandy and we were dropped by our insurance company because the home was no longer inhabitable. We're now struggling to find insurance so our lender has taken out an insurance policy. The problem is that the lender insurance is over 6x the amount that we had previously paid for insurance. Is there an insurance company that assists in these situations?
Time limits for insurance claims to be setteled
I live in Michigan we lost everything we owned to a house fire feb 2012 we are still dealing with our insurance company negotiating. I wondered if they have a deadline when the claims have to be closed by?
Fire damage
I recently had a friend lose his home to a fire.. i had a couple of significant items that were lost in the fire. Is there any way I can recover the money myself?
Do I have a claim on my roof?
I haven't owned a home before. There was a big storm last night & water came through my bathroom ceiling exhaust fan. I have a ranch house. I assume the water came in around the exhaust outlet on the roof. Some branches (medium size) have come down on the roof. Should I have the my insurance company come out & evaluate the roof for damage?
insurance's responsibility to document damage
Had water damage in house after black forest fire (1 mile away from fire). Adjuster came to look at house July 2013 and stated no fire damage to roof. We were then told in Nov. we had to replace our roof at our cost or we would be dropped by Amica. Our roofer claims there are multiple areas of damage from fire, wind, hail. Amica sent out engineer who stills says some damage but not enough for insurance coverage. OUr roofer says we need a thermography study to check for heat damage but cost to do this is $2000-$3000. Insurance says it our responsibility to pay this (to replace our roof will be $20-25,000). Isn't it up to insurance to cover this expense and what are our options? If we get this test there is still no guarantee they will pay any of the roof. Never have had any claims, have 3 homeowners policies with Amica, never was told evidence of damage July 2013 then we get call in Nov. 2013 telling us we will be dropped unless we pay for a new roof and now they won't cover further studies when our roofers are finding evidence of heat/fire/wind damage. what are our options/what do you suggest we do next? Thank you
Fire damage, ducts never cleaned and health issues
My husband, two teen boys and mother with M.S. Moved back to our home which had a c/o approx 1 year ago. Our floors began warping and popping up after about 6 months and my entire family has suffered from resp illness, sinus issues, thyroid etc. I contacted the builder about the floors and questioned the ducts after a flooring comp tested for moisture. Although assured ducts cleaned he insisted on having it done a second time to be safe. And I mean insisted. I had to be present with mom while cleaning took place. Person stated " never saw anything like this. what I the world happened here? He pulled a contractors bag out filled with burned wood, drywall, etc with mold of course. About 30 lbs total. I was shocked and sickened. Immediately asked for a report but didn't take a picture. Opened all windows, ordered air quality test. The test came back withe great news, no mold at all. However the company suggested all ductwork removed at this point as soot remains an issue. My question is the exposure for the year we were exposed. I contacted EMLS labs and they have a sample of the filter for testing . That should be back in a week. Builder claims he fired the person in charge of that. Insurance is happy with the air test and wanting to move on. Fast. I did not tell anyone about getting the filter tested because everyone I talk to wants to look the other way or treats me like I'm the crazy one. Maybe so, but isn't is just plane logical to know what your children have been breathing?
Problem with Homeowner Insurance Co
Had small kitchen fire in Sept. 2013, fire damage fixed, however Restoration who was recommended by Ins. Co. contaminated entire home with fiberglass insulation. After three attempts to clean up the health hazard, ins. co. gave new estimate to clean again and the amount was approximately 1/4 of the amount needed to clean safely and effectively. Hired a certified public adjuster, who recommending asking for an appraisal per our policy right. Ins. co. now says we had no right to ask for an appraisal and have a pending lawsuit filed but not served at our local courthouse. Having a hard time finding a lawyer to represent us, because the certified public adjuster is wanting their cut of 20%, even though they have not been able to help us in any positive way and have not been able to even find us an attorney to represent us!
Unforeseen Foundation Damage
It was recently discovered that my foundation across one wall has a 2-1/2" crack and is bowing inward. This was discovered behind studs and paneling in the basement roughly 7 months after buying and moving into the house. I had an insurance adjuster come out and the claim was denied. It was noted on the home inspection report that found there was foundation damage on a different wall but this was hidden. Is there anything that can be done.
Insuring after fire
I currently still have insurance on a home, contents, additional living, in addition to liability. I also put liability on my policy on the house I'm in now to include the property. Currently the garage and bonus room are still standing and we cannot afford to have demolished. We can't keep up with the insurance on top of both mortgages much longer, agent unsure if coverage under my main policy would apply bc there's some type of structure on the property. Can it affect my claim for the fire that took our home if I cancel at this point? Is there anything else I need to know? Thank you
When to get attorney, second one
I've had a really hard time, hired a really bad PA(was known by father's name)he never did anything, after EUO told me he had no intention on doing anything until the insurance company told him if they were paying or not. I consulted with attorney as police weren't doing their jobs which has put my family in danger, he convinced us to hire him, got down payment, also was supposed to get commission, I didn't think we needed for EUO but he said we did, gave him everything insurance asked for back in Oct 2013, recently he wanted to start litigation but never gave them anything, quit when I demanded he give them documentation, now PA said if I try to deal w/their attorney directly they'll eat me alive bc attorney antagonized them, Don't know what to do, can't afford to pay more, there were other cases attorney was supposed to handle but never did anything for us other than make insurance angry, we are out of money, don't want to give away a large percent if there's no need as we'll never be able to rebuild, we're scared and confused, please, we need to know what to do and are afraid wrong choice will make things worse, the claim hasn't been denied, I've been fighting to get police to do their jobs, please, need honest opinion from someone who's not making money from this, the police corruption issue alone is so big they were just sued by someone else for 5million on a much smaller issue than ours, we don't know what to do, can't keep paying both mortgages, fire was April 2013, if the attorney was handling other portions it wouldn't matter what they got but the insurance claim is only a specific amount, attorney messed up badly, have new PA which is only reason we got sworn loss in time.
Fire damage
My friend's house got burnt down completely yesterday due to fire. Cause of the fire is still unknown, but looks like the fire started in garage where they had full blown kitchen built after moving into the house. Would their Insurance honor the claim considering they had kitchen in the garage ? I am not sure if its legal to have kitchen in Garage or not..
Spending settlement at my discretion?
I have a slate roof that was damaged and is covered for full replacement. Let's say we negotiate a settlement amount based on the cost of replacing with a slate roof according to our independent quotes, at a cost of $100,000. The depreciation is 25%, so state farm would send us a check for $75,000, with the remaining $25,000 paid upon completion of repairs with receipts. My question: is it legitimate and legal to rather than get another slate roof, to instead get an asphalt roof at a cost of $25,000 and then be able to spend the remaining settlement dollars at my discretion? I understand that we would then not receive the additional $25,000 in depreciation. It seems fair to me, but I want to make sure that it is not some type of problem that would get me dropped from my insurance or is illegal.
Adjuster says insurance company doesn't owe to "match". As restoration contractors, we are told this ALL the time.
Page 45 of the Disaster Recovery Handbook states: "if your adjuster tells you the insurance company doesn't owe to "match", check around..." Can you please tell me where and/or with whom we check to verify this as true?
Extension of Rebuild Time
My home was totally destroyed by fire in January of 2013. It was supposed to be rebuilt in 9 months, but I received an extension giving me until December 2014 to complete the rebuild due to a very ugly divorce and a husband trying to use the claim to force me into a more favorable settlement (the house was 80% mine) and an EXTREMELY slow court system. I am concerned now that I still may not be able to finish the house by January, with a divorce trial scheduled for June, and then refinancing or whatever that has to be done. The insurance company has been very good to deal with so far, and check for the ACV is in escrow with the mortgage company. Is there a Statute of Limitation in Idaho; can I force the insurer to give me another extension if they resist? Is there anything I can do or will I just loose my $100,000+ Thank you so much.
Public Adjusters and Insurance Premiums
Hello. I work with a bunch of commercial roof contractors. One of our contractors recently had a question come up with a building owner he's working with. It seems that it's not unusual for big public adjuster firms such as Empire Public Adjusters to obtain claim settlements