Thank you for your kind words and acts, though the path to recovery is long - its little things like this help that's gets us through. Thank you for being part of the solution to our problem....
Ask The Expert Answers
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.
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.
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?
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 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