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.
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.
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.
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
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?
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.
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

You must be a United Policyholders member to view Ask an Expert Answers and to Ask An Expert.

Join UP today!

It’s free and safe! We never sell or share our membership or mailing lists. An independent voice and resource for insurance consumers. For 20 years United Policyholders (UP) has been helping to level the playing field between powerful insurance companies and the people that need them most. United Policyholders is a non-profit organization that is a voice and an information resource for insurance consumers in all 50 states. Our work is funded by foundations and donations from individuals and businesses. We do not accept funding from insurance companies.