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Ask The Expert Answers
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.
I just completed my house inventory on the UP Help app. Is that sufficient, or do I need to do more??
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?
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!